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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $350 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,712 | $55,636-7.1% | $81,982-36.9% | $73,497-29.6% |
| Participation rate | 36.8% | 62.3%-25.5pp | 69.3%-32.4pp | 70.7%-33.8pp |
| Annual return | 12.78% | 19.07%-6.3pp | 41.31%-28.5pp | 28.51%-15.7pp |
| Employer contribution / active EE | $712 | $1,625-56.1% | $2,498-71.5% | $2,270-68.6% |
| Participant deferral / active EE | $1,557 | $2,762-43.6% | $3,722-58.2% | $3,740-58.4% |
| Admin fee / account holder | $453 | $493-8.0% | $5,665-92.0% | $513-11.6% |