Filed November 13, 2025
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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $2,275 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $74,522 | $52,884+40.9% | $84,753-12.1% | $55,167+35.1% |
| Participation rate | 39.5% | 67.5%-28.0pp | 76.6%-37.1pp | 69.0%-29.5pp |
| Annual return | 3.07% | 18.03%-15.0pp | 22.78%-19.7pp | 169.23%-166.2pp |
| Employer contribution / active EE | $1,672 | $2,233-25.1% | $3,574-53.2% | $1,963-14.8% |
| Participant deferral / active EE | $2,287 | $2,644-13.5% | $3,712-38.4% | $3,054-25.1% |
| Admin fee / account holder | $20 | $581-96.5% | $5,333-99.6% | $504-95.9% |