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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1 year Service code 27 · EIN 36-3297908 | Advisory (Plan) | $0 |
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.
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).
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 | $16,836 | $89,652-81.2% | $141,177-88.1% | $65,185-74.2% |
| Participation rate | 52.5% | 74.7%-22.2pp | 82.5%-30.0pp | 70.2%-17.7pp |
| Annual return | 76.90% | 32.79%+44.1pp | 71.40%+5.5pp | 29.38%+47.5pp |
| Employer contribution / active EE | $630 | $3,065-79.5% | $4,736-86.7% | $2,177-71.1% |
| Participant deferral / active EE | $3,707 | $5,691-34.9% | $6,710-44.8% | $3,514+5.5% |
| Admin fee / account holder | $18 | $569-96.8% | $10,263-99.8% | $847-97.8% |