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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 65-0608221 | Recordkeeping | $9,687 |
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 | $12,987 | $31,388-58.6% | $73,550-82.3% | $62,293-79.2% |
| Participation rate | 23.4% | 39.9%-16.5pp | 54.9%-31.6pp | 69.5%-46.2pp |
| Annual return | 34.76% | 25.34%+9.4pp | -15.16%+49.9pp | 28.90%+5.9pp |
| Employer contribution / active EE | $436 | $498-12.4% | $1,219-64.2% | $2,042-78.6% |
| Participant deferral / active EE | $1,061 | $1,028+3.1% | $1,804-41.2% | $3,169-66.5% |
| Admin fee / account holder | $185 | $299-38.1% | $2,320-92.0% | $479-61.4% |