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| Provider | Service type | Compensation |
|---|---|---|
OPPENHEIMER2+ years Filed as: OPPENHEIMER & CO. Service code 26 · EIN 13-5657518 | Advisory (Participants) | $7,635 |
THE VANGUARD GROUP, INC.2+ years Filed as: THE VANGAURD GROUP Service code 15 · EIN 23-1945930 | Recordkeeping | $1,650 |
Filed as: CREATIVE RETIREMENT SYSTEMS Service code 14 · EIN 31-1299207 | Plan Administrator | $650 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,278 | $64,176-63.7% | $112,249-79.3% | $66,938-65.2% |
| Participation rate | 38.6% | 68.4%-29.8pp | 75.1%-36.5pp | 69.8%-31.2pp |
| Annual return | -17.18% | -13.80%-3.4pp | 27.48%-44.7pp | 1.58%-18.8pp |
| Employer contribution / active EE | $1,322 | $3,007-56.0% | $3,636-63.7% | $2,545-48.1% |
| Participant deferral / active EE | $2,195 | $3,694-40.6% | $4,729-53.6% | $4,238-48.2% |
| Admin fee / account holder | $163 | $626-74.0% | $6,412-97.5% | $594-72.6% |