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| Provider | Service type | Compensation |
|---|---|---|
STIFEL NICOLAUS & CO INC7+ years Service code 55 · EIN 43-0538770 | Other Commissions | $16,568 |
Service code 37 · EIN 04-2647786 | Loan Processing | $388 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,878 | $60,788+65.9% | $85,709+17.7% | $79,391+27.1% |
| Participation rate | 35.5% | 62.1%-26.6pp | 69.9%-34.3pp | 70.7%-35.2pp |
| Annual return | 12.03% | 16.57%-4.5pp | 21.49%-9.5pp | 116.88%-104.9pp |
| Employer contribution / active EE | $246 | $1,664-85.2% | $2,619-90.6% | $2,428-89.9% |
| Participant deferral / active EE | $1,666 | $2,920-43.0% | $3,924-57.5% | $4,046-58.8% |
| Admin fee / account holder | $8 | $439-98.1% | $6,876-99.9% | $627-98.7% |