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| Provider | Service type | Compensation |
|---|---|---|
BENECO SYSTEMS, LLC3 years Service code 15 · EIN 41-2046279 | Recordkeeping | $31,865 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,976 | $69,383-49.6% | $101,271-65.5% | $73,493-52.4% |
| Participation rate | 40.9% | 68.4%-27.5pp | 75.8%-34.9pp | 70.7%-29.8pp |
| Annual return | 11.06% | 18.46%-7.4pp | 46.48%-35.4pp | 28.51%-17.5pp |
| Employer contribution / active EE | $2,871 | $2,628+9.2% | $3,660-21.5% | $2,270+26.5% |
| Participant deferral / active EE | $441 | $3,301-86.7% | $4,371-89.9% | $3,740-88.2% |
| Admin fee / account holder | $354 | $704-49.7% | $5,948-94.0% | $513-31.0% |