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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 65-0608221 | Recordkeeping | $24,971 |
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).
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 | $16,141 | $75,183-78.5% | $123,894-87.0% | $55,167-70.7% |
| Participation rate | 54.3% | 72.8%-18.5pp | 81.4%-27.1pp | 69.0%-14.7pp |
| Annual return | 13.18% | 19.01%-5.8pp | 47.52%-34.3pp | 169.23%-156.0pp |
| Employer contribution / active EE | $678 | $2,823-76.0% | $4,617-85.3% | $1,963-65.5% |
| Participant deferral / active EE | $1,542 | $5,084-69.7% | $5,984-74.2% | $3,054-49.5% |
| Admin fee / account holder | $220 | $663-66.8% | $8,357-97.4% | $504-56.4% |