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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $17,072 |
VALMARK ADVISERS INC1 year Filed as: VALMARK SECURITIES Service code 27 · EIN 31-1509466 | Advisory (Plan) | $7,323 |
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.
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 | $31,849 | $51,466-38.1% | $78,778-59.6% | $62,293-48.9% |
| Participation rate | 40.6% | 59.8%-19.2pp | 69.2%-28.6pp | 69.5%-28.9pp |
| Annual return | 15.04% | 19.96%-4.9pp | 35.62%-20.6pp | 28.90%-13.9pp |
| Employer contribution / active EE | $89 | $827-89.2% | $1,986-95.5% | $2,042-95.6% |
| Participant deferral / active EE | $1,097 | $2,147-48.9% | $2,958-62.9% | $3,169-65.4% |
| Admin fee / account holder | $244 | $489-50.2% | $5,134-95.2% | $479-49.1% |