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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $500 |
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.)
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 | $106,974 | $72,027+48.5% | $185,835-42.4% | $79,852+34.0% |
| Participation rate | 64.0% | 65.8%-1.8pp | 78.0%-14.1pp | 69.6%-5.7pp |
| Annual return | 19.89% | 23.13%-3.2pp | 35.96%-16.1pp | 31.72%-11.8pp |
| Employer contribution / active EE | $240 | $1,965-87.8% | $4,087-94.1% | $2,471-90.3% |
| Participant deferral / active EE | $5,537 | $3,780+46.5% | $5,633-1.7% | $3,740+48.0% |
| Admin fee / account holder | $1,090 | $4,513-75.9% | $9,502-88.5% | $5,306-79.5% |