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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE1 year Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $37,563 |
Filed as: MML INSURANCE AGENCY, LLC Service code 26 1295 STATE STREET #C225 · SPRINGFIELD, MA 011118089 | Advisory (Participants) | $0 |
Filed as: MML INVESTORS SERVICES, LLC Service code 26 1295 STATE STREET #C225 · SPRINGFIELD, MA 011118089 | Advisory (Participants) | $0 |
MORNINGSTAR1 year Filed as: MORNINGSTAR ASSOCIATES LLC Service code 26 5904 PAYSPHERE CIRCLE · CHICAGO, IL 60674 | Advisory (Participants) | $0 |
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).
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 | $48,884 | $99,957-51.1% | $149,730-67.4% | $73,493-33.5% |
| Participation rate | 67.3% | 75.7%-8.4pp | 82.5%-15.1pp | 70.7%-3.3pp |
| Annual return | 23.52% | 53.87%-30.3pp | 276.70%-253.2pp | 28.51%-5.0pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $8,516 | $6,073+40.2% | $6,843+24.4% | $3,740+127.7% |
| Admin fee / account holder | $335 | $551-39.2% | $9,310-96.4% | $513-34.8% |