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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 38 · EIN 35-0145825 | Participant Communication | $61,310 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $65,624 | $88,203-25.6% | $165,100-60.3% | $74,478-11.9% |
| Participation rate | 76.0% | 73.1%+2.9pp | 78.6%-2.6pp | 67.2%+8.8pp |
| Annual return | 11.25% | 17.13%-5.9pp | 70.21%-59.0pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $219 | $2,601-91.6% | $4,348-95.0% | $2,626-91.6% |
| Participant deferral / active EE | $2,713 | $4,505-39.8% | $6,035-55.0% | $4,350-37.6% |
| Admin fee / account holder | $363 | $2,235-83.8% | $12,696-97.1% | $1,946-81.4% |