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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $11,431 |
SHAREBUILDER ADVISOR LLC1 year Service code 27 801 2ND AVE · SEATTLE, WA 98104 | Advisory (Plan) | $11,143 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,052 | $54,690-63.3% | $76,030-73.6% | $74,478-73.1% |
| Participation rate | 53.7% | 60.3%-6.6pp | 69.1%-15.4pp | 67.2%-13.5pp |
| Annual return | 16.63% | 31.92%-15.3pp | 361.54%-344.9pp | 1370.56%-1353.9pp |
| Employer contribution / active EE | $258 | $1,781-85.5% | $2,688-90.4% | $2,626-90.2% |
| Participant deferral / active EE | $2,410 | $3,070-21.5% | $4,257-43.4% | $4,350-44.6% |
| Admin fee / account holder | $112 | $2,240-95.0% | $6,421-98.2% | $1,946-94.2% |