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| Provider | Service type | Compensation |
|---|---|---|
DECIMAL, INC.1 year Filed as: DECIMAL INC. Service code 14 44 MONTGOMERY STREET, SUITE 3060 · SAN FRANCISCO, CA 94104 | Plan Administrator | $7,206 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $18,877 | $47,977-60.7% | $154,108-87.8% | $56,289-66.5% |
| Participation rate | 62.0% | 66.2%-4.1pp | 83.0%-21.0pp | 69.9%-7.8pp |
| Annual return | -5.89% | 3.54%-9.4pp | 735.21%-741.1pp | -9.96%+4.1pp |
| Employer contribution / active EE | $894 | $2,169-58.8% | $5,298-83.1% | $2,111-57.6% |
| Participant deferral / active EE | $2,081 | $2,392-13.0% | $5,081-59.0% | $3,350-37.9% |
| Admin fee / account holder | $58 | $438-86.8% | $13,411-99.6% | $521-88.9% |