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| Provider | Service type | Compensation |
|---|---|---|
SPECTRA MANAGEMENT, LLC6 years Service code 26 · EIN 45-0518885 | Advisory (Participants) | $18,614 |
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Participant communication; Participan... | $15,386 |
Filed as: HEALTHEQUITY RETIREMENT SERVICES, L Service code 12 · EIN 82-1222973 | Plan Administrator; Direct payment fr... | $11,634 |
MATRIX TRUST COMPANY5 years Service code 19 · EIN 75-3182674 | Securities Custodian | $871 |
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.
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 | $25,207 | $50,919-50.5% | $155,556-83.8% | $77,762-67.6% |
| Participation rate | 18.0% | 63.1%-45.1pp | 78.2%-60.2pp | 70.6%-52.6pp |
| Annual return | 13.57% | 34.84%-21.3pp | 64.84%-51.3pp | 31.27%-17.7pp |
| Employer contribution / active EE | $156 | $1,991-92.2% | $4,675-96.7% | $2,728-94.3% |
| Participant deferral / active EE | $1,219 | $2,824-56.8% | $5,631-78.3% | $4,651-73.8% |
| Admin fee / account holder | $210 | $437-51.8% | $15,885-98.7% | $433-51.4% |