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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $731 |
Filed as: UBS FINANCIAL SERVICES INS AGENCY Service code 26 8044 MONTGOMERY RD, SUITE 200W · CINCINNATI, OH 45236 | Advisory (Participants) | $0 |
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.
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.
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 | $53,364 | $47,448+12.5% | $94,993-43.8% | $62,293-14.3% |
| Participation rate | 49.0% | 66.5%-17.5pp | 73.9%-24.8pp | 69.5%-20.5pp |
| Annual return | 9.72% | 22.64%-12.9pp | 27.14%-17.4pp | 28.90%-19.2pp |
| Employer contribution / active EE | $99 | $1,300-92.4% | $2,603-96.2% | $2,042-95.2% |
| Participant deferral / active EE | $2,030 | $2,375-14.5% | $3,317-38.8% | $3,169-35.9% |
| Admin fee / account holder | $444 | $434+2.1% | $4,960-91.1% | $479-7.5% |