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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY2+ years Service code 12 · EIN 47-6174009 | Claims processing; Securities brokera... | $44,891 |
MATRIX CLEARANCE AND SETTLEMENT2+ years Service code 33 · EIN 13-4046432 | Securities brokerage; Sub-transfer ag... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $70,580 | $77,638-9.1% | $156,551-54.9% | $62,881+12.2% |
| Participation rate | 89.7% | 71.2%+18.5pp | 84.0%+5.7pp | 69.3%+20.4pp |
| Annual return | 6.53% | 50.33%-43.8pp | 32.23%-25.7pp | 20.14%-13.6pp |
| Employer contribution / active EE | $3,447 | $3,444+0.1% | $5,501-37.4% | $2,281+51.1% |
| Participant deferral / active EE | $2,461 | $3,046-19.2% | $4,871-49.5% | $3,203-23.2% |
| Admin fee / account holder | $371 | $5,561-93.3% | $13,028-97.2% | $4,296-91.4% |