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| Provider | Service type | Compensation |
|---|---|---|
FINANCIAL RENAISSANCE5 years Service code 16 · EIN 36-4252023 | Consulting | $113,318 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $61,640 | $106,264-42.0% | $147,117-58.1% | $77,762-20.7% |
| Participation rate | 64.8% | 78.4%-13.6pp | 82.2%-17.4pp | 70.6%-5.8pp |
| Annual return | 17.10% | 56.94%-39.8pp | 420.54%-403.4pp | 31.27%-14.2pp |
| Employer contribution / active EE | $2,157 | $4,074-47.0% | $4,932-56.3% | $2,728-20.9% |
| Participant deferral / active EE | $6,121 | $8,003-23.5% | $8,065-24.1% | $4,651+31.6% |
| Admin fee / account holder | $405 | $334+21.3% | $12,993-96.9% | $433-6.4% |