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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 04-1590850 | Recordkeeping | $291 |
Service code 27 | Advisory (Plan) | $18 |
MORNINGSTAR1+ years Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 | Other Services | $15 |
Filed as: AMERIPRISE FINANCIAL SERVICES INC. Service code 49 · EIN 41-0973005 | Other Services | $0 |
UNITED BENEFIT PENSIONS INC.1+ years Service code 49 · EIN 36-4517541 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $53,442 | $88,324-39.5% | $115,038-53.5% | $55,191-3.2% |
| Participation rate | 9.0% | 72.5%-63.5pp | 81.4%-72.4pp | 69.2%-60.2pp |
| Annual return | -2.53% | 6.30%-8.8pp | 26.14%-28.7pp | 10.78%-13.3pp |
| Employer contribution / active EE | $0 | $2,805-100.0% | $4,608-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $450 | $5,042-91.1% | $6,026-92.5% | $3,046-85.2% |
| Admin fee / account holder | $539 | $105+411.4% | $8,175-93.4% | $91+493.7% |