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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 39-0989781 | Recordkeeping | $60,968 |
BLACK & PINCKARD LLC5 years Service code 10 · EIN 26-0079381 | Accounting | $5,618 |
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.
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 | $44,061 | $130,052-66.1% | $86,698-49.2% | $77,906-43.4% |
| Participation rate | 54.9% | 85.9%-31.0pp | 76.6%-21.7pp | 73.7%-18.8pp |
| Annual return | -19.57% | -12.73%-6.8pp | 35.95%-55.5pp | 12.16%-31.7pp |
| Employer contribution / active EE | $1,728 | $3,214-46.2% | $2,837-39.1% | $2,846-39.3% |
| Participant deferral / active EE | $3,540 | $5,741-38.3% | $4,656-24.0% | $4,805-26.3% |
| Admin fee / account holder | $94 | $132-28.8% | $7,493-98.7% | $133-29.2% |