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| Provider | Service type | Compensation |
|---|---|---|
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $2,243 |
MUTUAL SECURITIES INC2 years Service code 61 · EIN 95-3703162 | Finders' fees / placement fees | $0 |
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).
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 | $42,532 | $47,922-11.2% | $75,894-44.0% | $65,185-34.8% |
| Participation rate | 47.3% | 63.0%-15.7pp | 69.3%-22.0pp | 70.2%-22.9pp |
| Annual return | 22.14% | 24.12%-2.0pp | 30.76%-8.6pp | 29.38%-7.2pp |
| Employer contribution / active EE | $1,319 | $1,557-15.3% | $2,501-47.2% | $2,177-39.4% |
| Participant deferral / active EE | $2,473 | $2,550-3.0% | $3,603-31.4% | $3,514-29.6% |
| Admin fee / account holder | $20 | $532-96.2% | $5,420-99.6% | $847-97.6% |