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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP2 years Service code 12 · EIN 06-1053228 | Sub-transfer agency fees; Trustee (di... | $2,502 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
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 | $32,282 | $58,726-45.0% | $92,240-65.0% | $62,293-48.2% |
| Participation rate | 26.4% | 68.3%-41.9pp | 76.5%-50.0pp | 69.5%-43.1pp |
| Annual return | 19.20% | 43.62%-24.4pp | 176.29%-157.1pp | 28.90%-9.7pp |
| Employer contribution / active EE | $380 | $2,392-84.1% | $3,680-89.7% | $2,042-81.4% |
| Participant deferral / active EE | $1,511 | $2,766-45.4% | $3,897-61.2% | $3,169-52.3% |
| Admin fee / account holder | $37 | $556-93.4% | $5,194-99.3% | $479-92.3% |