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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 29 SAWYER RD · WALTHAM, MA 02453 | Advisory (Plan) | $8,301 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $2,238 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,952 | $65,118-78.6% | $76,767-81.8% | $55,725-75.0% |
| Participation rate | 57.5% | 79.6%-22.1pp | 77.0%-19.5pp | 70.9%-13.4pp |
| Annual return | 69.77% | -1.27%+71.0pp | 2.43%+67.3pp | 244.93%-175.2pp |
| Employer contribution / active EE | $754 | $1,941-61.2% | $2,485-69.7% | $2,078-63.7% |
| Participant deferral / active EE | $981 | $3,688-73.4% | $3,852-74.5% | $3,356-70.8% |
| Admin fee / account holder | $6 | $116-95.0% | $6,675-99.9% | $115-94.9% |