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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $4 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $42,646 | $100,801-57.7% | $149,745-71.5% | $73,412-41.9% |
| Participation rate | 37.1% | 77.7%-40.6pp | 82.5%-45.4pp | 72.2%-35.1pp |
| Annual return | 222.84% | 265.34%-42.5pp | 276.72%-53.9pp | 59.30%+163.5pp |
| Employer contribution / active EE | $750 | $3,312-77.4% | $4,646-83.9% | $2,234-66.4% |
| Participant deferral / active EE | $2,075 | $6,404-67.6% | $6,843-69.7% | $3,806-45.5% |
| Admin fee / account holder | $158 | $181-12.9% | $9,312-98.3% | $158-0.2% |