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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 59-3092339 | Contract Administrator | $5,147 |
TD AMERITRADE, INC.2 years Filed as: TD AMERITRADE TRUST COMPANY Service code 19 · EIN 20-0937408 | Securities Custodian | $556 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,861 | $54,237-81.8% | $90,304-89.1% | $67,579-85.4% |
| Participation rate | 36.0% | 68.6%-32.6pp | 73.3%-37.2pp | 71.3%-35.2pp |
| Annual return | 66.29% | 37.27%+29.0pp | 78.13%-11.8pp | 378.56%-312.3pp |
| Employer contribution / active EE | $523 | $1,846-71.7% | $2,855-81.7% | $2,148-75.6% |
| Participant deferral / active EE | $1,446 | $2,625-44.9% | $3,885-62.8% | $3,539-59.1% |
| Admin fee / account holder | $21 | $123-82.9% | $5,354-99.6% | $142-85.2% |