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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.2+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $7,419 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $2,426 | $57,103-95.8% | $87,502-97.2% | $57,658-95.8% |
| Participation rate | 53.8% | 64.3%-10.5pp | 73.8%-20.1pp | 70.2%-16.4pp |
| Annual return | 31.37% | 12.71%+18.7pp | 12.21%+19.2pp | 5.13%+26.2pp |
| Employer contribution / active EE | $0 | $1,107-100.0% | $2,550-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $589 | $2,250-73.8% | $3,149-81.3% | $3,061-80.8% |
| Admin fee / account holder | $32 | $281-88.6% | $4,221-99.2% | $95-66.0% |