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| Provider | Service type | Compensation |
|---|---|---|
EMJAY CORPORATION1+ years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $160 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,193 | $39,245-2.7% | $64,105-40.4% | $52,331-27.0% |
| Participation rate | 32.2% | 58.2%-26.0pp | 68.2%-36.0pp | 68.1%-35.9pp |
| Annual return | 0.04% | 14.79%-14.7pp | 791.24%-791.2pp | 4.54%-4.5pp |
| Employer contribution / active EE | $172 | $736-76.6% | $1,820-90.5% | $1,882-90.9% |
| Participant deferral / active EE | $1,026 | $1,992-48.5% | $2,822-63.6% | $3,022-66.1% |
| Admin fee / account holder | $2 | $592-99.7% | $4,499-100.0% | $592-99.7% |