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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $742 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $48,405 | $46,297+4.6% | $71,671-32.5% | $62,293-22.3% |
| Participation rate | 31.8% | 60.6%-28.8pp | 68.7%-36.9pp | 69.5%-37.7pp |
| Annual return | 17.36% | 22.32%-5.0pp | 20.65%-3.3pp | 28.90%-11.5pp |
| Employer contribution / active EE | $766 | $1,412-45.7% | $2,460-68.8% | $2,042-62.5% |
| Participant deferral / active EE | $828 | $2,235-63.0% | $3,438-75.9% | $3,169-73.9% |
| Admin fee / account holder | $377 | $461-18.2% | $5,558-93.2% | $479-21.4% |