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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 13-5570651 | Directed Trustee | $1,427 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,305 | $61,166-27.6% | $185,849-76.2% | $79,391-44.2% |
| Participation rate | 25.9% | 66.6%-40.7pp | 81.7%-55.8pp | 70.7%-44.8pp |
| Annual return | 13.26% | 19.45%-6.2pp | 122.10%-108.8pp | 116.88%-103.6pp |
| Employer contribution / active EE | $938 | $2,321-59.6% | $5,169-81.8% | $2,428-61.4% |
| Participant deferral / active EE | $624 | $2,789-77.6% | $5,569-88.8% | $4,046-84.6% |
| Admin fee / account holder | $667 | $710-6.0% | $16,244-95.9% | $627+6.5% |