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| Provider | Service type | Compensation |
|---|---|---|
FUTURE BRIGHT LLC5 years Filed as: FUTURE BRIGHT, LLC Service code 27 935 37TH AVENUE S, SUITE 128 · MOOREHEAD, MN 56560 | Advisory (Plan) | $12,285 |
Service code 15 320 PARK AVENUE · NEW YORK, NY 10022 | Recordkeeping | $3,473 |
Filed as: WILSHIRE ASSOCIATES INC. Service code 31 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Named fiduciary | $460 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,605 | $55,470-57.4% | $155,556-84.8% | $74,478-68.3% |
| Participation rate | 46.0% | 61.9%-15.9pp | 78.2%-32.2pp | 67.2%-21.2pp |
| Annual return | 17.06% | 269.80%-252.7pp | 64.84%-47.8pp | 1370.56%-1353.5pp |
| Employer contribution / active EE | $1,049 | $2,267-53.7% | $4,675-77.6% | $2,626-60.0% |
| Participant deferral / active EE | $1,155 | $2,838-59.3% | $5,631-79.5% | $4,350-73.5% |
| Admin fee / account holder | $109 | $1,744-93.7% | $15,885-99.3% | $1,946-94.4% |