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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $6,823 |
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 | $44,275 | $47,922-7.6% | $75,894-41.7% | $65,185-32.1% |
| Participation rate | 36.7% | 63.0%-26.3pp | 69.3%-32.6pp | 70.2%-33.5pp |
| Annual return | 20.17% | 24.12%-4.0pp | 30.76%-10.6pp | 29.38%-9.2pp |
| Employer contribution / active EE | $281 | $1,557-81.9% | $2,501-88.8% | $2,177-87.1% |
| Participant deferral / active EE | $1,126 | $2,550-55.8% | $3,603-68.8% | $3,514-68.0% |
| Admin fee / account holder | $88 | $532-83.5% | $5,420-98.4% | $847-89.6% |