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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $575 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $32,172 | $64,176-49.9% | $112,249-71.3% | $66,938-51.9% |
| Participation rate | 34.3% | 68.4%-34.1pp | 75.1%-40.8pp | 69.8%-35.5pp |
| Annual return | -18.54% | -13.80%-4.7pp | 27.48%-46.0pp | 1.58%-20.1pp |
| Employer contribution / active EE | $1,248 | $3,007-58.5% | $3,636-65.7% | $2,545-51.0% |
| Participant deferral / active EE | $2,131 | $3,694-42.3% | $4,729-54.9% | $4,238-49.7% |
| Admin fee / account holder | $355 | $626-43.3% | $6,412-94.5% | $594-40.3% |