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| Provider | Service type | Compensation |
|---|---|---|
PLANTE & MORAN, PLLC3 years Service code 10 · EIN 38-1357951 | Accounting | $15,500 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $4,734 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $43,566 | $47,163-7.6% | $149,696-70.9% | $74,460-41.5% |
| Participation rate | 86.4% | 63.4%+23.0pp | 78.8%+7.6pp | 70.7%+15.7pp |
| Annual return | 12.54% | 22.75%-10.2pp | 134.46%-121.9pp | 34.38%-21.8pp |
| Employer contribution / active EE | $2,302 | $1,907+20.7% | $4,821-52.2% | $2,638-12.7% |
| Participant deferral / active EE | $2,009 | $2,730-26.4% | $5,682-64.6% | $4,530-55.7% |
| Admin fee / account holder | $34 | $343-90.1% | $13,212-99.7% | $348-90.3% |