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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $25,323 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,767 | $55,402+35.0% | $76,089-1.7% | $77,714-3.8% |
| Participation rate | 25.1% | 63.6%-38.5pp | 69.1%-44.0pp | 70.6%-45.5pp |
| Annual return | 15.38% | 17.09%-1.7pp | 360.94%-345.6pp | 31.26%-15.9pp |
| Employer contribution / active EE | $867 | $1,789-51.5% | $2,690-67.8% | $2,727-68.2% |
| Participant deferral / active EE | $1,569 | $3,450-54.5% | $4,259-63.2% | $4,649-66.2% |
| Admin fee / account holder | $16 | $410-96.0% | $6,418-99.7% | $433-96.3% |