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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERITAS LIFE INSURANCE CORP. Service code 15 · EIN 47-0098400 | Recordkeeping | $625 |
Service code 15 · EIN 13-2656036 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,252 | $65,557-81.3% | $105,738-88.4% | $56,287-78.2% |
| Participation rate | 69.1% | 63.4%+5.7pp | 76.3%-7.3pp | 69.9%-0.8pp |
| Annual return | -4.26% | -1.32%-2.9pp | 6.27%-10.5pp | -9.96%+5.7pp |
| Employer contribution / active EE | $912 | $1,788-49.0% | $3,268-72.1% | $2,111-56.8% |
| Participant deferral / active EE | $1,683 | $2,418-30.4% | $4,080-58.7% | $3,350-49.8% |
| Admin fee / account holder | $4 | $561-99.3% | $6,913-99.9% | $521-99.3% |