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| Provider | Service type | Compensation |
|---|---|---|
BUDROS, RUHLIN & ROE, INC.6 years Filed as: BUDROS RUHLIN & ROE INC Service code 27 · EIN 31-1237051 | Advisory (Plan) | $20,529 |
Filed as: TRANSAMERICA LIFE INSURANCE CO. Service code 15 · EIN 39-0989781 | Recordkeeping | $16,701 |
Filed as: ARY ROEPCKE MULCHAEY PC Service code 10 · EIN 52-2370901 | Accounting | $9,200 |
Service code 15 · EIN 31-1299207 | Recordkeeping | $1,200 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $32,236 | $29,525+9.2% | $56,033-42.5% | $77,736-58.5% |
| Participation rate | 12.2% | 32.7%-20.4pp | 52.5%-40.3pp | 70.6%-58.4pp |
| Annual return | 10.73% | 18.90%-8.2pp | 1711.38%-1700.6pp | 31.26%-20.5pp |
| Employer contribution / active EE | $273 | $569-52.1% | $1,041-73.8% | $2,728-90.0% |
| Participant deferral / active EE | $597 | $1,062-43.8% | $1,954-69.4% | $4,651-87.2% |
| Admin fee / account holder | $355 | $1,040-65.8% | $2,827-87.4% | $433-18.0% |