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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS Service code 26 · EIN 82-1301707 | Advisory (Participants) | $5,475 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $110 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,614 | $53,901-22.8% | $134,162-69.0% | $73,497-43.4% |
| Participation rate | 38.8% | 62.8%-24.0pp | 72.2%-33.4pp | 70.7%-31.9pp |
| Annual return | 15.05% | 15.82%-0.8pp | 36.35%-21.3pp | 28.51%-13.5pp |
| Employer contribution / active EE | $347 | $1,458-76.2% | $3,705-90.6% | $2,270-84.7% |
| Participant deferral / active EE | $1,600 | $2,739-41.6% | $3,500-54.3% | $3,740-57.2% |
| Admin fee / account holder | $72 | $581-87.6% | $6,685-98.9% | $513-85.9% |