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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $34,834 |
Filed as: SIGNATURE SECURITIES GROUP Service code 22 | Insurance Broker | $14,976 |
SIGNATURE SECURITIES4 years Filed as: SIGNATURE SECURITIES GROUP CORPORAT Service code 22 · EIN 13-4120476 | Insurance Broker | $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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $49,280 | $61,473-19.8% | $81,926-39.8% | $73,412-32.9% |
| Participation rate | 16.3% | 72.4%-56.1pp | 72.0%-55.7pp | 72.2%-55.8pp |
| Annual return | 18.57% | 28.26%-9.7pp | 29.49%-10.9pp | 59.30%-40.7pp |
| Employer contribution / active EE | $66 | $1,898-96.5% | $4,310-98.5% | $2,234-97.1% |
| Participant deferral / active EE | $899 | $3,080-70.8% | $7,108-87.3% | $3,806-76.4% |
| Admin fee / account holder | $335 | $125+166.9% | $5,159-93.5% | $158+112.1% |