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| Provider | Service type | Compensation |
|---|---|---|
JANNEY MONTGOMERY SCOTT LLC2+ years Service code 55 · EIN 23-0731260 | Other Commissions | $13,190 |
Service code 37 · EIN 04-2647786 | Loan Processing | $5,336 |
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.
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).
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 | $35,180 | $32,425+8.5% | $74,577-52.8% | $55,167-36.2% |
| Participation rate | 56.5% | 54.0%+2.5pp | 68.1%-11.6pp | 69.0%-12.5pp |
| Annual return | 5.70% | 10.63%-4.9pp | 20.47%-14.8pp | 169.23%-163.5pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $3,892 | $1,995+95.1% | $3,458+12.5% | $3,054+27.4% |
| Admin fee / account holder | $32 | $748-95.8% | $4,138-99.2% | $504-93.7% |