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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $120 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $51,601 | $64,176-19.6% | $112,263-54.0% | $66,949-22.9% |
| Participation rate | 23.2% | 68.4%-45.2pp | 75.1%-51.8pp | 69.8%-46.6pp |
| Annual return | -16.47% | -13.80%-2.7pp | 27.49%-44.0pp | 1.57%-18.0pp |
| Employer contribution / active EE | $0 | $3,007-100.0% | $3,636-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,161 | $3,694-68.6% | $4,729-75.5% | $4,239-72.6% |
| Admin fee / account holder | $633 | $626+1.2% | $6,410-90.1% | $594+6.7% |