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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $16,151 |
Filed as: MERRILL LYNCH. Service code 13 PO BOX 74008967 · CHICAGO, IL 60674 | Contract Administrator | $12,126 |
MOSS ADAMS LLP1 year Service code 10 PO BOX 101822 · PASADENA, CA 91189 | Accounting | $12,075 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $45,892 | $100,801-54.5% | $149,730-69.4% | $73,412-37.5% |
| Participation rate | 45.5% | 77.7%-32.2pp | 82.5%-37.0pp | 72.2%-26.7pp |
| Annual return | 13.76% | 265.34%-251.6pp | 276.70%-262.9pp | 59.30%-45.5pp |
| Employer contribution / active EE | $1,412 | $3,312-57.4% | $4,645-69.6% | $2,234-36.8% |
| Participant deferral / active EE | $2,759 | $6,404-56.9% | $6,843-59.7% | $3,806-27.5% |
| Admin fee / account holder | $267 | $181+47.8% | $9,310-97.1% | $158+69.3% |