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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK3+ years Service code 33 · EIN 04-2675571 | Securities brokerage; Other fees | $10,653 |
RSM US LLP2+ years Filed as: MCGLADREY LLP Service code 10 | Accounting | $6,500 |
SUMMIT FINANCIAL CORPORATION3+ years Service code 13 · EIN 04-3222046 7 NEW ENGLAND EXECUTIVE PARK · BURLINGTON, MA 01803 | Contract Administrator | $5,335 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $63,796 | $31,388+103.3% | $73,550-13.3% | $62,293+2.4% |
| Participation rate | 15.4% | 39.9%-24.4pp | 54.9%-39.5pp | 69.5%-54.1pp |
| Annual return | 11.75% | 25.34%-13.6pp | -15.16%+26.9pp | 28.90%-17.1pp |
| Employer contribution / active EE | $266 | $498-46.6% | $1,219-78.2% | $2,042-87.0% |
| Participant deferral / active EE | $630 | $1,028-38.7% | $1,804-65.1% | $3,169-80.1% |
| Admin fee / account holder | $230 | $299-23.2% | $2,320-90.1% | $479-52.0% |