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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.9+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $10,763 |
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).
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 | $32,176 | $45,126-28.7% | $85,187-62.2% | $74,459-56.8% |
| Participation rate | 30.5% | 49.4%-18.8pp | 67.5%-37.0pp | 67.2%-36.7pp |
| Annual return | 14.61% | 26.30%-11.7pp | 66.67%-52.1pp | 1369.70%-1355.1pp |
| Employer contribution / active EE | $53 | $1,460-96.4% | $2,732-98.1% | $2,626-98.0% |
| Participant deferral / active EE | $2,610 | $2,738-4.7% | $4,525-42.3% | $4,350-40.0% |
| Admin fee / account holder | $71 | $2,212-96.8% | $6,162-98.9% | $1,945-96.4% |