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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 65-0608221 | Recordkeeping | $8,314 |
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).
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 | $16,032 | $104,497-84.7% | $159,487-89.9% | $79,389-79.8% |
| Participation rate | 20.5% | 76.6%-56.1pp | 82.8%-62.3pp | 70.7%-50.2pp |
| Annual return | 35.18% | 67.98%-32.8pp | 263.71%-228.5pp | 116.89%-81.7pp |
| Employer contribution / active EE | $0 | $3,418-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,656 | $6,468-74.4% | $7,354-77.5% | $4,046-59.1% |
| Admin fee / account holder | $202 | $711-71.7% | $10,804-98.1% | $626-67.8% |