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| Provider | Service type | Compensation |
|---|---|---|
JPMORGAN INVEST HOLDINGS LLC2+ years Service code 64 · EIN 13-2624428 | Recordkeeping Fees | $435 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,550 | $52,467-1.7% | $57,196-9.9% | $55,167-6.6% |
| Participation rate | 58.9% | 75.8%-16.9pp | 75.3%-16.4pp | 69.0%-10.1pp |
| Annual return | 6.43% | 7.72%-1.3pp | 14.59%-8.2pp | 169.23%-162.8pp |
| Employer contribution / active EE | $604 | $2,477-75.6% | $2,683-77.5% | $1,963-69.2% |
| Participant deferral / active EE | $4,159 | $2,830+47.0% | $3,096+34.3% | $3,054+36.2% |
| Admin fee / account holder | $7 | $269-97.5% | $3,141-99.8% | $504-98.7% |