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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC3+ years Service code 55 · EIN 13-2638166 | Other Commissions | $6,563 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $2,213 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $41,130 | $47,977-14.3% | $154,108-73.3% | $56,289-26.9% |
| Participation rate | 40.8% | 66.2%-25.3pp | 83.0%-42.2pp | 69.9%-29.0pp |
| Annual return | -7.92% | 3.54%-11.5pp | 735.21%-743.1pp | -9.96%+2.0pp |
| Employer contribution / active EE | $485 | $2,169-77.7% | $5,298-90.9% | $2,111-77.0% |
| Participant deferral / active EE | $2,182 | $2,392-8.8% | $5,081-57.0% | $3,350-34.9% |
| Admin fee / account holder | $36 | $438-91.9% | $13,411-99.7% | $521-93.1% |