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| Provider | Service type | Compensation |
|---|---|---|
JPMORGAN INVEST HOLDINGS LLC5 years Service code 64 · EIN 13-2624428 | Recordkeeping Fees | $20,470 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,110 | $52,090-34.5% | $95,740-64.4% | $80,157-57.4% |
| Participation rate | 37.6% | 67.0%-29.4pp | 72.3%-34.6pp | 72.9%-35.3pp |
| Annual return | 23.50% | 23.29%+0.2pp | 28.41%-4.9pp | 40.39%-16.9pp |
| Employer contribution / active EE | $395 | $1,548-74.5% | $2,836-86.1% | $2,977-86.7% |
| Participant deferral / active EE | $1,598 | $3,266-51.1% | $4,244-62.3% | $5,015-68.1% |
| Admin fee / account holder | $27 | $96-71.5% | $5,676-99.5% | $145-81.2% |