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| Provider | Service type | Compensation |
|---|---|---|
Filed as: UNIVERSAL RETIREMENT Service code 27 34 E. MAIN STREET · SMITHTOWN, NY 11787 | Advisory (Plan) | $12,000 |
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $7,402 |
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).
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 | $36,390 | $85,766-57.6% | $136,298-73.3% | $70,126-48.1% |
| Participation rate | 61.1% | 74.2%-13.0pp | 81.9%-20.8pp | 69.5%-8.4pp |
| Annual return | 16.17% | 31.46%-15.3pp | 5156.27%-5140.1pp | 73.15%-57.0pp |
| Employer contribution / active EE | $1,817 | $2,966-38.7% | $4,696-61.3% | $2,343-22.4% |
| Participant deferral / active EE | $5,424 | $5,051+7.4% | $6,247-13.2% | $3,332+62.8% |
| Admin fee / account holder | $206 | $5,421-96.2% | $9,244-97.8% | $4,645-95.6% |