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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $32,571 |
Service code 22 · EIN 52-1473914 | Insurance Broker | $12,439 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $25,932 | $65,118-60.2% | $76,766-66.2% | $55,725-53.5% |
| Participation rate | 50.9% | 79.6%-28.7pp | 77.0%-26.0pp | 70.9%-19.9pp |
| Annual return | -7.89% | -1.27%-6.6pp | 2.43%-10.3pp | 244.93%-252.8pp |
| Employer contribution / active EE | $708 | $1,941-63.5% | $2,485-71.5% | $2,078-65.9% |
| Participant deferral / active EE | $2,231 | $3,688-39.5% | $3,851-42.1% | $3,356-33.5% |
| Admin fee / account holder | $180 | $116+55.3% | $6,675-97.3% | $115+56.2% |