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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 · EIN 45-4003393 | Other Fees | $0 |
Filed as: VALLEY FORGE PENSION MANAGEMENT Service code 49 · EIN 82-2774740 | Other Services | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,572 | $106,749-3.9% | $145,433-29.5% | $82,448+24.4% |
| Participation rate | 66.7% | 75.6%-9.0pp | 82.1%-15.5pp | 68.1%-1.4pp |
| Annual return | 9.70% | 27.59%-17.9pp | 66.58%-56.9pp | 41.64%-31.9pp |
| Employer contribution / active EE | $604 | $3,444-82.5% | $4,554-86.7% | $2,551-76.3% |
| Participant deferral / active EE | $6,103 | $6,519-6.4% | $7,897-22.7% | $4,139+47.4% |
| Admin fee / account holder | $504 | $8,390-94.0% | $13,129-96.2% | $7,234-93.0% |