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| Provider | Service type | Compensation |
|---|---|---|
401KDIRECTPRO, INC.1 year Filed as: 401K DIRECT PRO INC Service code 15 · EIN 20-3825735 | Recordkeeping | $7,805 |
TOROSO INVESTMENTS2+ years Service code 26 · EIN 20-5634798 | Advisory (Participants) | $0 |
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.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $8,607 | $63,924-86.5% | $108,582-92.1% | $55,167-84.4% |
| Participation rate | 20.2% | 74.3%-54.2pp | 79.6%-59.4pp | 69.0%-48.8pp |
| Annual return | 6.60% | 15.31%-8.7pp | -51.70%+58.3pp | 169.23%-162.6pp |
| Employer contribution / active EE | $0 | $1,879-100.0% | $3,758-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $499 | $3,067-83.7% | $4,311-88.4% | $3,054-83.7% |
| Admin fee / account holder | $187 | $618-69.7% | $7,645-97.6% | $504-62.8% |