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| Provider | Service type | Compensation |
|---|---|---|
Filed as: THE ROSE FINANCIAL GORUP Service code 15 · EIN 35-2130755 6602 E 75TH ST SUITE 200 · INDIANAPOLIS, IN 46250 | Recordkeeping | $57,403 |
Service code 13 · EIN 35-1140070 | Contract Administrator | $13,021 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,621 | $64,176-55.4% | $112,249-74.5% | $66,938-57.2% |
| Participation rate | 26.9% | 68.4%-41.6pp | 75.1%-48.2pp | 69.8%-42.9pp |
| Annual return | -15.83% | -13.80%-2.0pp | 27.48%-43.3pp | 1.58%-17.4pp |
| Employer contribution / active EE | $792 | $3,007-73.7% | $3,636-78.2% | $2,545-68.9% |
| Participant deferral / active EE | $1,445 | $3,694-60.9% | $4,729-69.5% | $4,238-65.9% |
| Admin fee / account holder | $316 | $626-49.5% | $6,412-95.1% | $594-46.7% |