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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIRST HEARTLAND CNSLTNTS Service code 16 · EIN 43-1635589 | Consulting | $9,903 |
Service code 26 · EIN 20-1090152 | Advisory (Participants) | $5,479 |
Service code 15 · EIN 35-0145825 | Recordkeeping | $4,871 |
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 | $42,376 | $73,638-42.5% | $95,960-55.8% | $73,493-42.3% |
| Participation rate | 47.2% | 76.2%-29.0pp | 77.1%-29.9pp | 70.7%-23.5pp |
| Annual return | 16.26% | 16.78%-0.5pp | 91.63%-75.4pp | 28.51%-12.3pp |
| Employer contribution / active EE | $0 | $1,863-100.0% | $2,541-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,025 | $3,617-44.0% | $4,167-51.4% | $3,740-45.9% |
| Admin fee / account holder | $60 | $482-87.6% | $6,797-99.1% | $513-88.3% |