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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERICAN UNITED LIFE INSURANCE CO. Service code 37 · EIN 35-0145825 | Loan Processing | $1,586 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,936 | $58,888-32.2% | $178,498-77.6% | $73,493-45.7% |
| Participation rate | 22.3% | 66.2%-43.9pp | 81.9%-59.6pp | 70.7%-48.4pp |
| Annual return | 14.88% | 24.86%-10.0pp | 151.09%-136.2pp | 28.51%-13.6pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $773 | $2,568-69.9% | $5,202-85.1% | $3,740-79.3% |
| Admin fee / account holder | $171 | $400-57.2% | $13,985-98.8% | $513-66.6% |