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| Provider | Service type | Compensation |
|---|---|---|
MONARCH PLAN ADVISORS7 years Service code 26 · EIN 46-3919960 40 WEST EASY STREET · SIMI VALLEY, CA 93065 | Advisory (Participants) | $18,347 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $8,409 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $13,403 | $62,686-78.6% | $178,540-92.5% | $77,736-82.8% |
| Participation rate | 40.4% | 66.9%-26.5pp | 77.1%-36.7pp | 70.6%-30.2pp |
| Annual return | 15.15% | 16.16%-1.0pp | 27.15%-12.0pp | 31.26%-16.1pp |
| Employer contribution / active EE | $0 | $1,914-100.0% | $3,953-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,407 | $4,224-66.7% | $6,281-77.6% | $4,651-69.8% |
| Admin fee / account holder | $174 | $386-54.9% | $10,424-98.3% | $433-59.8% |