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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $6 |
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $6 |
Filed as: WOODBURY FINANCIAL SERVICES INC Service code 99 · EIN 41-0944586 | Other Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,237 | $72,273-67.8% | $101,275-77.1% | $79,856-70.9% |
| Participation rate | 27.8% | 68.5%-40.7pp | 75.8%-48.0pp | 69.6%-41.9pp |
| Annual return | 16.91% | 22.30%-5.4pp | 46.48%-29.6pp | 31.71%-14.8pp |
| Employer contribution / active EE | $979 | $2,691-63.6% | $3,660-73.3% | $2,471-60.4% |
| Participant deferral / active EE | $2,142 | $3,282-34.7% | $4,371-51.0% | $3,741-42.7% |
| Admin fee / account holder | $45 | $4,401-99.0% | $5,948-99.2% | $5,306-99.1% |