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| Provider | Service type | Compensation |
|---|---|---|
HUMAN INTEREST ADVISOR LLC2 years Service code 13 · EIN 47-4307706 300 MONTGOMERY ST. SUITE 350 · SAN FRANCISCO, CA 94101 | Contract Administrator | $14,364 |
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).
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 | $11,624 | $50,902-77.2% | $155,534-92.5% | $77,736-85.0% |
| Participation rate | 43.7% | 63.1%-19.4pp | 78.2%-34.5pp | 70.6%-26.9pp |
| Annual return | 25.24% | 34.85%-9.6pp | 64.92%-39.7pp | 31.26%-6.0pp |
| Employer contribution / active EE | $860 | $1,991-56.8% | $4,675-81.6% | $2,728-68.5% |
| Participant deferral / active EE | $1,746 | $2,824-38.2% | $5,630-69.0% | $4,651-62.5% |
| Admin fee / account holder | $39 | $437-91.0% | $15,900-99.8% | $433-91.0% |