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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $20,407 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $8,417 |
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).
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 | $22,595 | $53,546-57.8% | $69,890-67.7% | $68,490-67.0% |
| Participation rate | 73.9% | 64.5%+9.3pp | 70.5%+3.4pp | 67.9%+6.0pp |
| Annual return | -23.03% | -13.87%-9.2pp | 190.84%-213.9pp | -7.85%-15.2pp |
| Employer contribution / active EE | $990 | $2,019-50.9% | $2,560-61.3% | $2,597-61.9% |
| Participant deferral / active EE | $2,513 | $2,957-15.0% | $3,848-34.7% | $4,028-37.6% |
| Admin fee / account holder | $193 | $4,693-95.9% | $6,267-96.9% | $5,403-96.4% |