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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $65,264 |
THE 401(K) EXPERT LLC2 years Service code 99 · EIN 82-2246608 | Other Fees | $20,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,076 | $69,238-56.6% | $185,851-83.8% | $101,555-70.4% |
| Participation rate | 8.3% | 73.5%-65.2pp | 81.7%-73.4pp | 74.5%-66.3pp |
| Annual return | 15.43% | 21.26%-5.8pp | 122.11%-106.7pp | 21.00%-5.6pp |
| Employer contribution / active EE | $0 | $2,104-100.0% | $5,168-100.0% | $2,972-100.0% |
| Participant deferral / active EE | $264 | $3,764-93.0% | $5,569-95.3% | $4,874-94.6% |
| Admin fee / account holder | $101 | $66+52.5% | $16,245-99.4% | $139-27.5% |