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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 04-2647786 | Directed Trustee | $7,850 |
UBS FINANCIAL SERVICES INC1+ years Service code 61 · EIN 13-2638166 | Finders' fees / placement fees | $0 |
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).
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 | $11,314 | $27,330-58.6% | $67,704-83.3% | $55,191-79.5% |
| Participation rate | 44.0% | 47.5%-3.5pp | 67.5%-23.5pp | 69.2%-25.1pp |
| Annual return | 1.06% | 8.81%-7.8pp | 25.41%-24.4pp | 10.78%-9.7pp |
| Employer contribution / active EE | $0 | $855-100.0% | $2,559-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $881 | $1,709-48.4% | $3,585-75.4% | $3,046-71.1% |
| Admin fee / account holder | $26 | $109-76.0% | $4,255-99.4% | $91-71.1% |