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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERIPRISE FINANCIAL SERVICES Service code 26 · EIN 38-2722519 | Advisory (Participants) | $24,834 |
Filed as: MILLENNIUM INVESTMENT AND RET Service code 26 · EIN 94-3428956 | Advisory (Participants) | $8,278 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,514 |
Employer 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $46,630 | $122,063-61.8% | $184,256-74.7% | $74,478-37.4% |
| Participation rate | 93.8% | 85.5%+8.3pp | 86.8%+7.0pp | 67.2%+26.6pp |
| Annual return | 14.75% | 19.92%-5.2pp | 28.85%-14.1pp | 1370.56%-1355.8pp |
| Employer contribution / active EE | $834 | $4,539-81.6% | $6,427-87.0% | $2,626-68.2% |
| Participant deferral / active EE | $5,826 | $7,144-18.5% | $9,133-36.2% | $4,350+33.9% |
| Admin fee / account holder | $375 | $1,253-70.1% | $13,899-97.3% | $1,946-80.7% |