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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EPIC RETIREMENT PLAN SERVCIES Service code 15 · EIN 16-1450952 | Recordkeeping | $26,128 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 27 · EIN 36-4317381 | Advisory (Plan) | $19,080 |
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).
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 | $46,525 | $59,054-21.2% | $97,260-52.2% | $77,736-40.1% |
| Participation rate | 47.8% | 67.9%-20.0pp | 72.7%-24.8pp | 70.6%-22.7pp |
| Annual return | 10.44% | 16.96%-6.5pp | 75.54%-65.1pp | 31.26%-20.8pp |
| Employer contribution / active EE | $537 | $1,742-69.2% | $2,721-80.3% | $2,728-80.3% |
| Participant deferral / active EE | $1,521 | $3,930-61.3% | $4,262-64.3% | $4,651-67.3% |
| Admin fee / account holder | $253 | $346-27.0% | $5,640-95.5% | $433-41.7% |