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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 04-1590850 | Recordkeeping | $115,205 |
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.)
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 | $51,576 | $107,045-51.8% | $108,745-52.6% | $63,975-19.4% |
| Participation rate | 55.4% | 81.9%-26.5pp | 77.7%-22.3pp | 71.1%-15.7pp |
| Annual return | 10.20% | 18.14%-7.9pp | 46.22%-36.0pp | 48.65%-38.5pp |
| Employer contribution / active EE | $312 | $2,651-88.2% | $3,323-90.6% | $2,182-85.7% |
| Participant deferral / active EE | $2,158 | $4,292-49.7% | $5,121-57.9% | $3,356-35.7% |
| Admin fee / account holder | $349 | $67+419.4% | $6,144-94.3% | $70+395.2% |