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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $39,119 |
MATRANGA & COMPANY3 years Service code 15 6255 LUSK BLVD SUITE 150 · SAN DIEGO, CA 92121 | Recordkeeping | $13,205 |
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.)
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 | $29,396 | $64,176-54.2% | $112,249-73.8% | $66,938-56.1% |
| Participation rate | 69.8% | 68.4%+1.4pp | 75.1%-5.2pp | 69.8%0pp |
| Annual return | -18.21% | -13.80%-4.4pp | 27.48%-45.7pp | 1.58%-19.8pp |
| Employer contribution / active EE | $1,591 | $3,007-47.1% | $3,636-56.3% | $2,545-37.5% |
| Participant deferral / active EE | $873 | $3,694-76.4% | $4,729-81.5% | $4,238-79.4% |
| Admin fee / account holder | $743 | $626+18.7% | $6,412-88.4% | $594+25.1% |