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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $15,878 |
NATIONAL FINANCIAL SERVICES2 years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
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 | $16,710 | $89,588-81.3% | $135,987-87.7% | $77,714-78.5% |
| Participation rate | 74.2% | 74.3%-0.1pp | 76.4%-2.3pp | 70.6%+3.6pp |
| Annual return | 68.12% | 17.42%+50.7pp | 580.01%-511.9pp | 31.26%+36.9pp |
| Employer contribution / active EE | $1,226 | $3,491-64.9% | $4,214-70.9% | $2,727-55.0% |
| Participant deferral / active EE | $2,789 | $5,591-50.1% | $7,027-60.3% | $4,649-40.0% |
| Admin fee / account holder | $43 | $539-92.0% | $6,716-99.4% | $433-90.0% |