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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 ONE AMERICAN SQUARE · INDIANAPOLIS, IN 46206 | Recordkeeping | $11,142 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $32,042 | $73,638-56.5% | $95,956-66.6% | $73,493-56.4% |
| Participation rate | 32.9% | 76.2%-43.3pp | 77.1%-44.2pp | 70.7%-37.8pp |
| Annual return | 19.57% | 16.78%+2.8pp | 91.63%-72.1pp | 28.51%-8.9pp |
| Employer contribution / active EE | $291 | $1,863-84.4% | $2,541-88.5% | $2,270-87.2% |
| Participant deferral / active EE | $2,908 | $3,617-19.6% | $4,167-30.2% | $3,740-22.2% |
| Admin fee / account holder | $7 | $482-98.5% | $6,797-99.9% | $513-98.6% |