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| Provider | Service type | Compensation |
|---|---|---|
KALOS CAPITAL, INC.1 year Filed as: KALOS FINANCIAL CO Service code 27 11525 PARK WOODS CIRCLE · ALPHARETTA, GA 30005 | Advisory (Plan) | $12,137 |
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $180 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,475 | $54,045-19.6% | $115,170-62.3% | $65,185-33.3% |
| Participation rate | 16.3% | 63.5%-47.3pp | 75.9%-59.6pp | 70.2%-53.9pp |
| Annual return | 19.31% | 26.55%-7.2pp | 35.60%-16.3pp | 29.38%-10.1pp |
| Employer contribution / active EE | $0 | $1,653-100.0% | $3,179-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $635 | $2,504-74.6% | $4,169-84.8% | $3,514-81.9% |
| Admin fee / account holder | $316 | $626-49.5% | $7,089-95.5% | $847-62.7% |