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| Provider | Service type | Compensation |
|---|---|---|
PLANTE & MORAN, PLLC1 year Service code 50 · EIN 38-1357951 | Direct Payment | $13,000 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $4,199 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,716 | $56,511-17.3% | $185,837-74.9% | $86,813-46.2% |
| Participation rate | 96.2% | 65.5%+30.7pp | 81.7%+14.5pp | 72.3%+23.9pp |
| Annual return | 21.24% | 118.12%-96.9pp | 122.08%-100.8pp | 97.93%-76.7pp |
| Employer contribution / active EE | $2,167 | $1,844+17.5% | $5,168-58.1% | $2,406-9.9% |
| Participant deferral / active EE | $1,904 | $2,554-25.5% | $5,568-65.8% | $4,131-53.9% |
| Admin fee / account holder | $33 | $150-77.8% | $16,241-99.8% | $170-80.4% |