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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 | $88,137-25.5% | $164,975-60.2% | $74,429-11.8% |
| Participation rate | 76.0% | 73.1%+2.9pp | 78.6%-2.6pp | 67.2%+8.8pp |
| Annual return | 11.25% | 17.13%-5.9pp | 70.12%-58.9pp | 1368.38%-1357.1pp |
| Employer contribution / active EE | $219 | $2,597-91.6% | $4,343-94.9% | $2,625-91.6% |
| Participant deferral / active EE | $2,713 | $4,501-39.7% | $6,033-55.0% | $4,348-37.6% |
| Admin fee / account holder | $363 | $2,231-83.7% | $12,688-97.1% | $1,944-81.3% |