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| Provider | Service type | Compensation |
|---|---|---|
VICUS CAPITAL1+ years Service code 27 · EIN 25-1366084 | Advisory (Plan) | $230,439 |
Service code 12 · EIN 13-3689044 | Participant loan processing; Recordke... | $130,580 |
EMC CPAS, LLC1+ years Service code 10 · EIN 84-1739458 | Accounting | $14,513 |
NATIONAL FINANCIAL SERVICES1+ years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,339 | $241,450-60.5% | $103,378-7.8% | $199,874-52.3% |
| Participation rate | 46.7% | 78.4%-31.6pp | 74.5%-27.8pp | 72.0%-25.3pp |
| Annual return | 15.06% | 17.80%-2.7pp | 24.91%-9.8pp | 34.28%-19.2pp |
| Employer contribution / active EE | $1,657 | $4,250-61.0% | $3,870-57.2% | $3,036-45.4% |
| Participant deferral / active EE | $3,228 | $3,962-18.5% | $5,058-36.2% | $5,090-36.6% |
| Admin fee / account holder | $164 | $288-43.0% | $8,401-98.0% | $269-39.0% |