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| Provider | Service type | Compensation |
|---|---|---|
UNIVERSAL MAILING SERVICE2 years Filed as: UNIVERSAL RETIREMENT Service code 27 34 E MAIN STREET · SMITHTOWN, NY 11787 | Advisory (Plan) | $11,842 |
THE VANGUARD GROUP, INC.2 years Service code 15 · EIN 23-1945930 | Recordkeeping | $7,600 |
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).
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 | $37,451 | $73,102-48.8% | $123,552-69.7% | $56,287-33.5% |
| Participation rate | 50.9% | 74.3%-23.4pp | 82.3%-31.4pp | 69.9%-18.9pp |
| Annual return | -7.50% | 3.01%-10.5pp | 119.20%-126.7pp | -9.96%+2.5pp |
| Employer contribution / active EE | $1,701 | $2,977-42.8% | $4,628-63.2% | $2,111-19.4% |
| Participant deferral / active EE | $4,521 | $5,423-16.6% | $6,426-29.6% | $3,350+35.0% |
| Admin fee / account holder | $198 | $554-64.2% | $9,285-97.9% | $521-61.9% |