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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $40,586 |
GOLDMAN SACHS3 years Filed as: AVEO CAPITAL Service code 99 · EIN 27-4981131 | Other Fees | $23,738 |
EXPAND FINANCIAL1 year Service code 99 · EIN 27-1124147 | Other Fees | $5,935 |
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 | $60,821 | $101,591-40.1% | $147,096-58.7% | $74,429-18.3% |
| Participation rate | 61.4% | 75.5%-14.1pp | 82.2%-20.8pp | 67.2%-5.8pp |
| Annual return | 14.49% | 8746.45%-8732.0pp | 419.75%-405.3pp | 1368.38%-1353.9pp |
| Employer contribution / active EE | $1,507 | $3,813-60.5% | $4,936-69.5% | $2,625-42.6% |
| Participant deferral / active EE | $5,381 | $7,302-26.3% | $8,071-33.3% | $4,348+23.8% |
| Admin fee / account holder | $447 | $1,750-74.5% | $13,005-96.6% | $1,944-77.0% |