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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERICAN UNITED LIFE INSURANCE CO. Service code 15 · EIN 35-0145825 | Recordkeeping | $2,044 |
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.
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).
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 | $5,567 | $52,678-89.4% | $75,784-92.7% | $59,633-90.7% |
| Participation rate | 30.2% | 67.2%-37.0pp | 75.8%-45.6pp | 68.7%-38.5pp |
| Annual return | -28.26% | 2.95%-31.2pp | 9.68%-37.9pp | 2041.45%-2069.7pp |
| Employer contribution / active EE | $562 | $2,193-74.4% | $3,323-83.1% | $2,203-74.5% |
| Participant deferral / active EE | $1,052 | $2,591-59.4% | $3,652-71.2% | $3,192-67.0% |
| Admin fee / account holder | $7 | $3,610-99.8% | $5,300-99.9% | $4,297-99.8% |