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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $13,534 |
Filed as: CAMBRIDGE INV RSRCH ADVSRS Service code 26 · EIN 42-1445429 | Advisory (Participants) | $11,260 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,318 | $51,223-35.0% | $82,763-59.7% | $66,949-50.2% |
| Participation rate | 32.1% | 67.9%-35.8pp | 72.6%-40.5pp | 69.8%-37.8pp |
| Annual return | -14.02% | -9.85%-4.2pp | 702.45%-716.5pp | 1.57%-15.6pp |
| Employer contribution / active EE | $1,254 | $2,611-52.0% | $3,008-58.3% | $2,545-50.7% |
| Participant deferral / active EE | $1,897 | $3,460-45.2% | $4,395-56.8% | $4,239-55.3% |
| Admin fee / account holder | $185 | $415-55.5% | $5,325-96.5% | $594-68.8% |