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| Provider | Service type | Compensation |
|---|---|---|
KALOS CAPITAL, INC.2 years Filed as: KALOS FINANCIAL CO Service code 27 11525 PARK WOODS CIRCLE · ALPHARETTA, GA 30005 | Advisory (Plan) | $13,455 |
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $105 |
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.)
Annual investment return 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 | $52,147 | $59,328-12.1% | $118,946-56.2% | $73,493-29.0% |
| Participation rate | 14.4% | 62.3%-47.9pp | 75.4%-61.0pp | 70.7%-56.3pp |
| Annual return | 10.79% | 19.13%-8.3pp | 35.89%-25.1pp | 28.51%-17.7pp |
| Employer contribution / active EE | $0 | $1,803-100.0% | $3,263-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $602 | $2,604-76.9% | $4,266-85.9% | $3,740-83.9% |
| Admin fee / account holder | $357 | $600-40.6% | $6,581-94.6% | $513-30.5% |