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| Provider | Service type | Compensation |
|---|---|---|
SAGEPOINT FINANCIAL INC2+ years Service code 55 2800 N CENTRAL AVE STE 2100 · PHOENIX, AZ 85004 | Other Commissions | $8,582 |
Service code 37 · EIN 04-2647786 | Loan Processing | $88 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $27,604 | $56,277-50.9% | $80,976-65.9% | $62,891-56.1% |
| Participation rate | 62.8% | 69.0%-6.1pp | 75.8%-13.0pp | 69.3%-6.5pp |
| Annual return | 13.95% | 22.12%-8.2pp | 17.10%-3.2pp | 20.14%-6.2pp |
| Employer contribution / active EE | $1,064 | $1,943-45.2% | $3,714-71.4% | $2,281-53.4% |
| Participant deferral / active EE | $10,095 | $4,195+140.6% | $5,696+77.2% | $3,203+215.2% |
| Admin fee / account holder | $1 | $3,741-100.0% | $5,516-100.0% | $4,296-100.0% |