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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIRST HEARTLAND CNSLTNTS Service code 16 · EIN 43-1635589 | Consulting | $16,432 |
Service code 26 · EIN 20-1090152 | Advisory (Participants) | $7,827 |
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $5,679 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $23,059 | $89,054-74.1% | $102,457-77.5% | $77,692-70.3% |
| Participation rate | 83.0% | 80.9%+2.0pp | 76.5%+6.5pp | 70.6%+12.4pp |
| Annual return | 16.38% | 25.02%-8.6pp | 29.41%-13.0pp | 31.25%-14.9pp |
| Employer contribution / active EE | $959 | $2,698-64.5% | $3,022-68.3% | $2,726-64.8% |
| Participant deferral / active EE | $2,747 | $5,146-46.6% | $5,054-45.6% | $4,648-40.9% |
| Admin fee / account holder | $40 | $236-82.9% | $9,451-99.6% | $431-90.6% |