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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 10 · EIN 36-4317381 | Accounting | $0 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,439 | $40,522-69.3% | $84,623-85.3% | $67,579-81.6% |
| Participation rate | 4.6% | 51.1%-46.5pp | 68.2%-63.6pp | 71.3%-66.7pp |
| Annual return | 29.50% | 32.72%-3.2pp | 258.77%-229.3pp | 378.56%-349.1pp |
| Employer contribution / active EE | $0 | $1,146-100.0% | $2,652-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $183 | $2,132-91.4% | $3,899-95.3% | $3,539-94.8% |
| Admin fee / account holder | $49 | $145-66.1% | $4,913-99.0% | $142-65.4% |