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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ABD RETIREMENT SERVICES Service code 27 · EIN 80-0833114 | Advisory (Plan) | $11,209 |
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $630 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $18,404 | $155,795-88.2% | $136,298-86.5% | $69,631-73.6% |
| Participation rate | 46.3% | 75.2%-28.9pp | 81.9%-35.6pp | 70.7%-24.3pp |
| Annual return | 50.52% | 232464.33%-232413.8pp | 5156.27%-5105.8pp | 27571.02%-27520.5pp |
| Employer contribution / active EE | $0 | $2,991-100.0% | $4,696-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $4,975 | $5,394-7.8% | $6,247-20.4% | $3,224+54.3% |
| Admin fee / account holder | $46 | $128-64.5% | $9,244-99.5% | $110-58.8% |