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| Provider | Service type | Compensation |
|---|---|---|
FINANCIAL ENGINES2+ years Filed as: EDELMAN FINANCIAL SERVICES, LLC Service code 27 · EIN 81-0672613 | Advisory (Plan) | $28,183 |
Service code 13 · EIN 23-3038464 | Contract Administrator | $14,613 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $37,616 | $76,551-50.9% | $123,894-69.6% | $62,881-40.2% |
| Participation rate | 92.2% | 73.0%+19.2pp | 81.4%+10.7pp | 69.3%+22.9pp |
| Annual return | 7.99% | 18.68%-10.7pp | 47.52%-39.5pp | 20.14%-12.2pp |
| Employer contribution / active EE | $3,113 | $2,882+8.0% | $4,617-32.6% | $2,281+36.5% |
| Participant deferral / active EE | $9,437 | $4,840+95.0% | $5,984+57.7% | $3,203+194.6% |
| Admin fee / account holder | $509 | $4,826-89.5% | $8,357-93.9% | $4,296-88.2% |