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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,650 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $48,392 | $66,486-27.2% | $81,370-40.5% | $77,762-37.8% |
| Participation rate | 23.6% | 68.7%-45.1pp | 69.5%-45.9pp | 70.6%-47.0pp |
| Annual return | 13.32% | 15.95%-2.6pp | 24.85%-11.5pp | 31.27%-17.9pp |
| Employer contribution / active EE | $0 | $2,158-100.0% | $2,464-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,218 | $3,677-66.9% | $3,885-68.6% | $4,651-73.8% |
| Admin fee / account holder | $343 | $586-41.4% | $5,749-94.0% | $433-20.7% |