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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERICAN UNITED LIFE INSURANCE Service code 22 | Insurance Broker | $4,955 |
Service code 15 · EIN 35-0145825 | Recordkeeping | $4,011 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $49,669 | $67,606-26.5% | $82,313-39.7% | $70,124-29.2% |
| Participation rate | 30.2% | 72.8%-42.5pp | 76.9%-46.7pp | 69.5%-39.3pp |
| Annual return | 9.02% | 21.57%-12.5pp | 25.88%-16.9pp | 73.14%-64.1pp |
| Employer contribution / active EE | $375 | $1,755-78.6% | $2,428-84.6% | $2,342-84.0% |
| Participant deferral / active EE | $1,220 | $2,987-59.1% | $3,706-67.1% | $3,332-63.4% |
| Admin fee / account holder | $24 | $4,512-99.5% | $5,608-99.6% | $4,645-99.5% |