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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $13,660 |
VALMARK ADVISERS INC1 year Service code 27 · EIN 31-1509466 | Advisory (Plan) | $9,491 |
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.
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 | $25,315 | $42,546-40.5% | $71,796-64.7% | $55,167-54.1% |
| Participation rate | 39.5% | 59.1%-19.7pp | 69.1%-29.7pp | 69.0%-29.5pp |
| Annual return | 6.05% | 12.36%-6.3pp | 78.04%-72.0pp | 169.23%-163.2pp |
| Employer contribution / active EE | $221 | $803-72.4% | $1,924-88.5% | $1,963-88.7% |
| Participant deferral / active EE | $932 | $2,064-54.9% | $2,794-66.7% | $3,054-69.5% |
| Admin fee / account holder | $214 | $650-67.1% | $4,815-95.6% | $504-57.6% |