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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 04-2647786 | Directed Trustee | $7,475 |
UBS FINANCIAL SERVICES INC3+ years Service code 55 · EIN 13-2638166 | Other Commissions | $5,528 |
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 | $16,051 | $31,424-48.9% | $81,473-80.3% | $69,631-76.9% |
| Participation rate | 29.0% | 50.8%-21.9pp | 68.0%-39.0pp | 70.7%-41.7pp |
| Annual return | 18.72% | 22.44%-3.7pp | 38.78%-20.1pp | 27571.02%-27552.3pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,568-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $735 | $1,838-60.0% | $3,537-79.2% | $3,224-77.2% |
| Admin fee / account holder | $30 | $103-70.6% | $4,561-99.3% | $110-72.7% |