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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $800 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,090 | $51,620-51.4% | $90,300-72.2% | $65,185-61.5% |
| Participation rate | 44.1% | 68.6%-24.5pp | 73.3%-29.1pp | 70.2%-26.1pp |
| Annual return | 51.23% | 24.94%+26.3pp | 78.11%-26.9pp | 29.38%+21.8pp |
| Employer contribution / active EE | $0 | $2,235-100.0% | $2,854-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $5,956 | $2,871+107.5% | $3,884+53.3% | $3,514+69.5% |
| Admin fee / account holder | $5 | $384-98.6% | $5,353-99.9% | $847-99.4% |