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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $450 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $47,382 | $63,471-25.3% | $68,808-31.1% | $66,938-29.2% |
| Participation rate | 42.7% | 60.0%-17.3pp | 69.0%-26.3pp | 69.8%-27.1pp |
| Annual return | -18.77% | -8.29%-10.5pp | -6.37%-12.4pp | 1.58%-20.3pp |
| Employer contribution / active EE | $758 | $1,776-57.3% | $2,656-71.5% | $2,545-70.2% |
| Participant deferral / active EE | $1,830 | $2,946-37.9% | $3,942-53.6% | $4,238-56.8% |
| Admin fee / account holder | $412 | $578-28.8% | $4,936-91.7% | $594-30.7% |