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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE5+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $25,226 |
Filed as: CETERA ADVISORS LLC Service code 27 4600 SYRACUSE STREE, SUITE 600 · DENVER, CO 80237 | Advisory (Plan) | $0 |
LPL FINANCIAL1 year Filed as: KMS FINANCIAL SERVICES INC Service code 27 2001 SIXTH AVE, SUITE 2801 · SEATTLE, WA 98121 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $45,507 | $66,319-31.4% | $93,621-51.4% | $65,186-30.2% |
| Participation rate | 50.4% | 74.0%-23.7pp | 75.8%-25.5pp | 70.2%-19.8pp |
| Annual return | 18.23% | 42.59%-24.4pp | 32.76%-14.5pp | 29.39%-11.2pp |
| Employer contribution / active EE | $910 | $2,013-54.8% | $2,719-66.5% | $2,177-58.2% |
| Participant deferral / active EE | $1,543 | $3,343-53.8% | $4,070-62.1% | $3,514-56.1% |
| Admin fee / account holder | $319 | $6,900-95.4% | $7,890-96.0% | $847-62.4% |