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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $16 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,902 | $61,391-51.3% | $149,723-80.0% | $71,529-58.2% |
| Participation rate | 46.6% | 62.5%-16.0pp | 78.8%-32.2pp | 67.9%-21.4pp |
| Annual return | 9.69% | 35.88%-26.2pp | 134.50%-124.8pp | 28.97%-19.3pp |
| Employer contribution / active EE | $676 | $2,384-71.6% | $4,821-86.0% | $2,590-73.9% |
| Participant deferral / active EE | $822 | $2,921-71.9% | $5,682-85.5% | $4,291-80.8% |
| Admin fee / account holder | $2 | $1,264-99.9% | $13,215-100.0% | $1,588-99.9% |