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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.7+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $244,728 |
AMERICAN FUNDS1 year Filed as: HM CAPITAL MANAGEMENT LLC Service code 16 · EIN 20-3287389 | Consulting | $50,213 |
ARMANINO LLP1 year Filed as: ARMANINO Service code 10 · EIN 94-6214841 | Accounting | $20,050 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,160 | $48,166+33.2% | $96,583-33.6% | $93,010-31.0% |
| Participation rate | 52.3% | 65.1%-12.8pp | 69.8%-17.5pp | 73.9%-21.6pp |
| Annual return | 21.44% | 21.31%+0.1pp | 37.79%-16.4pp | 158.70%-137.3pp |
| Employer contribution / active EE | $644 | $1,070-39.8% | $2,357-72.7% | $2,705-76.2% |
| Participant deferral / active EE | $2,855 | $2,576+10.8% | $3,850-25.8% | $4,561-37.4% |
| Admin fee / account holder | $100 | $110-9.6% | $6,184-98.4% | $152-34.3% |