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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $300 |
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).
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 | $52,512 | $60,776-13.6% | $85,693-38.7% | $79,393-33.9% |
| Participation rate | 42.1% | 62.1%-20.0pp | 69.9%-27.7pp | 70.7%-28.6pp |
| Annual return | 13.22% | 16.57%-3.4pp | 21.49%-8.3pp | 116.87%-103.7pp |
| Employer contribution / active EE | $656 | $1,663-60.6% | $2,618-75.0% | $2,428-73.0% |
| Participant deferral / active EE | $1,703 | $2,919-41.6% | $3,923-56.6% | $4,046-57.9% |
| Admin fee / account holder | $467 | $438+6.6% | $6,874-93.2% | $627-25.4% |