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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $390 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,881 | $65,437-60.4% | $86,698-70.1% | $66,949-61.3% |
| Participation rate | 32.2% | 75.5%-43.3pp | 76.6%-44.4pp | 69.8%-37.6pp |
| Annual return | -2.82% | -10.91%+8.1pp | 35.96%-38.8pp | 1.57%-4.4pp |
| Employer contribution / active EE | $7 | $2,154-99.7% | $2,837-99.8% | $2,545-99.7% |
| Participant deferral / active EE | $3,710 | $4,102-9.6% | $4,656-20.3% | $4,239-12.5% |
| Admin fee / account holder | $378 | $642-41.0% | $7,492-95.0% | $594-36.3% |