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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 41-1276678 | Recordkeeping | $31,931 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $75,419 | $62,583+20.5% | $76,767-1.8% | $64,173+17.5% |
| Participation rate | 62.8% | 72.8%-10.0pp | 77.0%-14.2pp | 69.6%-6.8pp |
| Annual return | -8.26% | -1.95%-6.3pp | 2.43%-10.7pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,240 | $1,832-32.3% | $2,485-50.1% | $2,381-47.9% |
| Participant deferral / active EE | $2,526 | $3,145-19.7% | $3,852-34.4% | $3,470-27.2% |
| Admin fee / account holder | $456 | $4,667-90.2% | $6,675-93.2% | $4,887-90.7% |