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| Provider | Service type | Compensation |
|---|---|---|
UHY LLP1+ years Filed as: UHY, LLP Service code 10 · EIN 20-0694403 | Accounting | $13,941 |
Filed as: AMERICAN UNITED LIFE INSURANCE CO. Service code 15 · EIN 35-0145825 | Recordkeeping | $788 |
Service code 52 | Indirect Investment Fees | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $60,548 | $60,165+0.6% | $74,184-18.4% | $55,167+9.8% |
| Participation rate | 22.8% | 74.2%-51.3pp | 76.6%-53.8pp | 69.0%-46.2pp |
| Annual return | -3.90% | 10.00%-13.9pp | 17.74%-21.6pp | 169.23%-173.1pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,449 | $2,973-17.6% | $3,550-31.0% | $3,054-19.8% |
| Admin fee / account holder | $330 | $419-21.2% | $5,586-94.1% | $504-34.4% |