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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 04-1590850 | Recordkeeping | $716 |
UNITED BENEFIT PENSIONS INC.5+ years Service code 49 · EIN 36-4517541 | Other Services | $400 |
Service code 49 | Other Services | $26 |
Filed as: AMERIPRISE FINANCIAL SERVICES INC. Service code 49 · EIN 41-0973005 | 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 | $74,197 | $89,652-17.2% | $141,197-47.5% | $65,186+13.8% |
| Participation rate | 15.3% | 74.7%-59.4pp | 82.5%-67.2pp | 70.2%-54.9pp |
| Annual return | 16.60% | 32.79%-16.2pp | 71.41%-54.8pp | 29.39%-12.8pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $498 | $5,691-91.3% | $6,710-92.6% | $3,514-85.8% |
| Admin fee / account holder | $306 | $569-46.1% | $10,265-97.0% | $847-63.8% |