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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $16,003 |
Filed as: AMERITAS INVESTMENT CORP Service code 27 · EIN 47-0098400 | Advisory (Plan) | $8,853 |
CERINI & ASSOCIATES LLP1 year Filed as: CERINI & ASSOCIATES, LLP Service code 10 · EIN 11-3066459 | Accounting | $7,700 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,847 | $60,795-52.5% | $69,483-58.5% | $65,186-55.7% |
| Participation rate | 76.4% | 74.9%+1.6pp | 74.6%+1.8pp | 70.2%+6.2pp |
| Annual return | 4.30% | 17.46%-13.2pp | 28.99%-24.7pp | 29.39%-25.1pp |
| Employer contribution / active EE | $4,680 | $2,452+90.9% | $2,780+68.4% | $2,177+115.0% |
| Participant deferral / active EE | $1,702 | $3,162-46.2% | $3,537-51.9% | $3,514-51.6% |
| Admin fee / account holder | $149 | $314-52.6% | $3,841-96.1% | $847-82.5% |