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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $318 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,426 | $39,286-12.4% | $80,741-57.4% | $79,391-56.6% |
| Participation rate | 33.1% | 41.0%-7.9pp | 54.2%-21.1pp | 70.7%-37.6pp |
| Annual return | 15.92% | 98.95%-83.0pp | 87.30%-71.4pp | 116.88%-101.0pp |
| Employer contribution / active EE | $960 | $594+61.7% | $1,160-17.2% | $2,428-60.5% |
| Participant deferral / active EE | $1,207 | $1,264-4.5% | $2,145-43.7% | $4,046-70.2% |
| Admin fee / account holder | $534 | $647-17.5% | $3,380-84.2% | $627-14.8% |