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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $11,440 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,446 | $37,463-88.1% | $77,100-94.2% | $66,949-93.4% |
| Participation rate | 93.4% | 52.9%+40.5pp | 67.9%+25.5pp | 69.8%+23.6pp |
| Annual return | -21.20% | -3.25%-18.0pp | 42.35%-63.6pp | 1.57%-22.8pp |
| Employer contribution / active EE | $1,397 | $1,535-9.0% | $2,815-50.4% | $2,545-45.1% |
| Participant deferral / active EE | $2,610 | $2,621-0.4% | $4,430-41.1% | $4,239-38.4% |
| Admin fee / account holder | $67 | $568-88.3% | $5,443-98.8% | $594-88.8% |