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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LAVINE LOFGREN MORRIS AND ENGELBERG Service code 10 4180 LA JOLLA VILLAGE DR SUITE 300 · LA JOLLA, CA 92037 | Accounting | $9,518 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,231 |
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.)
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 | $65,254 | $55,122+18.4% | $104,639-37.6% | $73,497-11.2% |
| Participation rate | 48.9% | 67.7%-18.8pp | 74.1%-25.1pp | 70.7%-21.7pp |
| Annual return | 12.29% | 24.77%-12.5pp | 340.67%-328.4pp | 28.51%-16.2pp |
| Employer contribution / active EE | $388 | $1,464-73.5% | $2,682-85.5% | $2,270-82.9% |
| Participant deferral / active EE | $1,341 | $2,919-54.0% | $3,738-64.1% | $3,740-64.1% |
| Admin fee / account holder | $505 | $423+19.4% | $6,465-92.2% | $513-1.6% |