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| Provider | Service type | Compensation |
|---|---|---|
JOHNSON BANK1 year Service code 15 · EIN 39-1141446 | Recordkeeping | $21,345 |
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.)
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 | $38,403 | $63,924-39.9% | $108,582-64.6% | $55,167-30.4% |
| Participation rate | 51.4% | 74.3%-23.0pp | 79.6%-28.2pp | 69.0%-17.6pp |
| Annual return | 7.31% | 15.31%-8.0pp | -51.70%+59.0pp | 169.23%-161.9pp |
| Employer contribution / active EE | $888 | $1,879-52.8% | $3,758-76.4% | $1,963-54.8% |
| Participant deferral / active EE | $1,393 | $3,067-54.6% | $4,311-67.7% | $3,054-54.4% |
| Admin fee / account holder | $309 | $618-49.9% | $7,645-96.0% | $504-38.6% |