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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1 year Service code 27 · EIN 36-3297908 | Advisory (Plan) | $0 |
Filed as: RETIREMENT PLAN CONCEPTS & SVS Service code 49 · EIN 35-2091834 | Other Services | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,795 | $84,482-61.2% | $125,363-73.8% | $66,930-51.0% |
| Participation rate | 100.0% | 76.4%+23.6pp | 82.4%+17.6pp | 69.8%+30.2pp |
| Annual return | -14.28% | -8.49%-5.8pp | 572.15%-586.4pp | 1.57%-15.9pp |
| Employer contribution / active EE | $3,409 | $3,553-4.0% | $4,815-29.2% | $2,545+33.9% |
| Participant deferral / active EE | $9,178 | $6,782+35.3% | $7,447+23.2% | $4,238+116.6% |
| Admin fee / account holder | $15 | $685-97.8% | $10,005-99.8% | $593-97.5% |