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| Provider | Service type | Compensation |
|---|---|---|
EVERENCE TRUST COMPANY3 years Service code 27 · EIN 35-2140529 | Advisory (Plan) | $18,715 |
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,454 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $31,972 | $61,356-47.9% | $149,696-78.6% | $71,511-55.3% |
| Participation rate | 68.0% | 62.5%+5.5pp | 78.8%-10.8pp | 67.9%+0.1pp |
| Annual return | 25.67% | 35.86%-10.2pp | 134.46%-108.8pp | 28.86%-3.2pp |
| Employer contribution / active EE | $1,310 | $2,382-45.0% | $4,821-72.8% | $2,589-49.4% |
| Participant deferral / active EE | $3,349 | $2,920+14.7% | $5,682-41.1% | $4,291-21.9% |
| Admin fee / account holder | $120 | $1,263-90.5% | $13,212-99.1% | $1,588-92.4% |