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| Provider | Service type | Compensation |
|---|---|---|
Service code 21 · EIN 41-0632402 | Bank Trustee | $21,530 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $3,595 |
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.
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 | $31,495 | $58,320-46.0% | $86,438-63.6% | $66,938-52.9% |
| Participation rate | 56.3% | 78.6%-22.3pp | 80.3%-24.0pp | 69.8%-13.5pp |
| Annual return | -17.17% | -9.71%-7.5pp | 4397.19%-4414.4pp | 1.58%-18.8pp |
| Employer contribution / active EE | $0 | $2,615-100.0% | $3,769-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,905 | $6,899-57.9% | $6,952-58.2% | $4,238-31.5% |
| Admin fee / account holder | $128 | $546-76.6% | $6,733-98.1% | $594-78.5% |