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| Provider | Service type | Compensation |
|---|---|---|
NICHOLAS PENSION CONSULTANTS1+ years Filed as: NICHOLAS PENSION CONSULTANTS, INC. Service code 13 10933 TRADE CENTER DRIVE, SUITE 100 · RANCHO CORDOVA, CA 956706181 | Contract Administrator | $1,100 |
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT Service code 64 COMPANY, INC. · LOS ANGELES, CA 90071 | Recordkeeping Fees | $250 |
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.
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 | $17,918 | $70,002-74.4% | $115,038-84.4% | $52,331-65.8% |
| Participation rate | 45.3% | 72.1%-26.8pp | 81.4%-36.1pp | 68.1%-22.8pp |
| Annual return | 1.95% | 4.04%-2.1pp | 26.14%-24.2pp | 4.54%-2.6pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $6,654 | $4,920+35.2% | $6,026+10.4% | $3,022+120.2% |
| Admin fee / account holder | $13 | $566-97.7% | $8,175-99.8% | $592-97.8% |