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| Provider | Service type | Compensation |
|---|---|---|
BANSLEY AND KIENER, LLP1+ years Service code 10 · EIN 36-2152389 | Accounting | $9,000 |
Filed as: FIDELITY INVESTMENT INSTITUTIONAL Service code 60 | Sub-TA Fees | $0 |
Service code 37 · EIN 04-2647786 | Loan Processing | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $58,904 | $60,165-2.1% | $74,184-20.6% | $55,167+6.8% |
| Participation rate | 60.7% | 74.2%-13.5pp | 76.6%-16.0pp | 69.0%-8.3pp |
| Annual return | 7.05% | 10.00%-2.9pp | 17.74%-10.7pp | 169.23%-162.2pp |
| Employer contribution / active EE | $393 | $1,600-75.4% | $2,370-83.4% | $1,963-80.0% |
| Participant deferral / active EE | $2,757 | $2,973-7.2% | $3,550-22.3% | $3,054-9.7% |
| Admin fee / account holder | $71 | $419-83.2% | $5,586-98.7% | $504-86.0% |