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| Provider | Service type | Compensation |
|---|---|---|
GUIDELINE, INC.1+ years Service code 14 · EIN 47-4474775 | Plan Administrator | $8,673 |
BENEFIT TRUST COMPANY1+ years Service code 18 · EIN 43-1971558 | Custodial (securities); Custodial (ot... | $7,596 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,557 | $89,282-49.0% | $94,664-51.9% | $74,460-38.8% |
| Participation rate | 96.1% | 82.4%+13.7pp | 80.8%+15.3pp | 70.7%+25.3pp |
| Annual return | 0.00% | 25.96%-26.0pp | 156.84%-156.8pp | 34.38%-34.4pp |
| Employer contribution / active EE | $1,349 | $3,022-55.4% | $3,673-63.3% | $2,638-48.9% |
| Participant deferral / active EE | $8,719 | $8,425+3.5% | $7,417+17.5% | $4,530+92.5% |
| Admin fee / account holder | $28 | $219-87.3% | $7,222-99.6% | $348-92.0% |