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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $224 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,781 | $76,551-59.8% | $123,894-75.2% | $62,881-51.0% |
| Participation rate | 77.6% | 73.0%+4.6pp | 81.4%-3.8pp | 69.3%+8.3pp |
| Annual return | 5.89% | 18.68%-12.8pp | 47.52%-41.6pp | 20.14%-14.3pp |
| Employer contribution / active EE | $902 | $2,882-68.7% | $4,617-80.5% | $2,281-60.5% |
| Participant deferral / active EE | $4,601 | $4,840-4.9% | $5,984-23.1% | $3,203+43.6% |
| Admin fee / account holder | $302 | $4,826-93.7% | $8,357-96.4% | $4,296-93.0% |