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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $718 |
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 | $60,857 | $80,753-24.6% | $136,297-55.3% | $62,293-2.3% |
| Participation rate | 38.0% | 73.5%-35.5pp | 81.9%-43.9pp | 69.5%-31.5pp |
| Annual return | 21.20% | 35.83%-14.6pp | 5156.19%-5135.0pp | 28.90%-7.7pp |
| Employer contribution / active EE | $85 | $2,884-97.1% | $4,696-98.2% | $2,042-95.8% |
| Participant deferral / active EE | $3,391 | $5,164-34.3% | $6,247-45.7% | $3,169+7.0% |
| Admin fee / account holder | $37 | $525-93.0% | $9,244-99.6% | $479-92.3% |