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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 39-6040276 | Recordkeeping Fees | $440 |
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.
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 | $62,367 | $59,813+4.3% | $79,580-21.6% | $68,486-8.9% |
| Participation rate | 51.3% | 61.1%-9.8pp | 69.5%-18.2pp | 67.9%-16.6pp |
| Annual return | -16.59% | -12.30%-4.3pp | 0.15%-16.7pp | -7.85%-8.7pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,967 | $3,024-35.0% | $3,985-50.7% | $4,028-51.2% |
| Admin fee / account holder | $8 | $4,835-99.8% | $6,835-99.9% | $5,404-99.9% |