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| Provider | Service type | Compensation |
|---|---|---|
Service code 70 3001 WEST BIG BEAVER · TROY, MI 480843108 | Consulting Fees | $24,500 |
DKSS1 year Service code 10 · EIN 38-1944367 | Accounting | $22,750 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $5,076 |
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.
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 | $59,632 | $45,000+32.5% | $143,797-58.5% | $77,906-23.5% |
| Participation rate | 53.0% | 66.8%-13.8pp | 80.3%-27.3pp | 73.7%-20.7pp |
| Annual return | -13.84% | 29.03%-42.9pp | -0.04%-13.8pp | 12.16%-26.0pp |
| Employer contribution / active EE | $0 | $1,870-100.0% | $4,952-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $3,154 | $3,157-0.1% | $5,638-44.1% | $4,805-34.4% |
| Admin fee / account holder | $48 | $98-51.5% | $14,679-99.7% | $133-64.0% |