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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D JONES & CO Service code 27 · EIN 43-0345811 | Advisory (Plan) | $13,000 |
Service code 11 · EIN 45-4208939 | Actuarial | $4,809 |
Filed as: MASSMUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $754 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,332 | $58,888-33.2% | $178,499-78.0% | $73,493-46.5% |
| Participation rate | 56.6% | 66.2%-9.6pp | 81.9%-25.3pp | 70.7%-14.0pp |
| Annual return | 16.05% | 24.86%-8.8pp | 151.10%-135.1pp | 28.51%-12.5pp |
| Employer contribution / active EE | $273 | $2,236-87.8% | $5,011-94.6% | $2,270-88.0% |
| Participant deferral / active EE | $2,112 | $2,568-17.8% | $5,202-59.4% | $3,740-43.5% |
| Admin fee / account holder | $161 | $400-59.7% | $13,986-98.8% | $513-68.5% |