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| Provider | Service type | Compensation |
|---|---|---|
STIFEL NICOLAUS & CO INC3+ years Service code 55 · EIN 43-0538770 | Other Commissions | $11,729 |
Service code 37 · EIN 04-2647786 100 CROSBY PARKWAY, KC1G · COVINGTON, KY 41015 | Loan Processing | $488 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $76,443 | $40,479+88.8% | $78,210-2.3% | $62,293+22.7% |
| Participation rate | 22.2% | 54.6%-32.4pp | 68.7%-46.5pp | 69.5%-47.3pp |
| Annual return | 16.06% | 66.31%-50.3pp | 40.90%-24.8pp | 28.90%-12.8pp |
| Employer contribution / active EE | $153 | $1,024-85.0% | $2,034-92.5% | $2,042-92.5% |
| Participant deferral / active EE | $945 | $1,718-45.0% | $2,823-66.5% | $3,169-70.2% |
| Admin fee / account holder | $20 | $376-94.6% | $3,758-99.5% | $479-95.8% |