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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC2 years Service code 26 · EIN 33-0905143 120 VANTIS · ALISO VIEJO, CA 92656 | Advisory (Participants) | $16,495 |
SPECTRUM EMPLOYEE BENEFITS3 years Filed as: SPECTRUM EMPLOYEE BENEFITS, INC. Service code 15 · EIN 20-1973276 PO BOX 290 · BRECKENRIDGE, MN 56520 | Recordkeeping | $16,283 |
EIDE BAILLY LLP2 years Filed as: EIDE BAILLY, LLP Service code 10 · EIN 45-0250958 621 N ROBINSON AVENUE · OKLAHOMA CITY, OK 73102 | Accounting | $12,065 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,575 | $54,213-51.0% | $93,696-71.6% | $77,736-65.8% |
| Participation rate | 38.9% | 64.0%-25.0pp | 68.7%-29.8pp | 70.6%-31.6pp |
| Annual return | 11.93% | 30.55%-18.6pp | 133.74%-121.8pp | 31.26%-19.3pp |
| Employer contribution / active EE | $1,192 | $1,168+2.1% | $2,422-50.8% | $2,728-56.3% |
| Participant deferral / active EE | $2,576 | $3,145-18.1% | $4,417-41.7% | $4,651-44.6% |
| Admin fee / account holder | $299 | $575-48.0% | $8,287-96.4% | $433-31.0% |