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| Provider | Service type | Compensation |
|---|---|---|
EMJAY CORPORATION2+ years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $560 |
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.
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).
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 | $46,695 | $45,687+2.2% | $67,834-31.2% | - |
| Participation rate | 53.5% | 59.9%-6.4pp | 68.8%-15.3pp | - |
| Annual return | 8.40% | 24.25%-15.8pp | 138.47%-130.1pp | - |
| Employer contribution / active EE | $246 | $851-71.1% | $2,403-89.8% | - |
| Participant deferral / active EE | $1,803 | $1,936-6.9% | $3,160-42.9% | - |
| Admin fee / account holder | $8 | $7,721-99.9% | $4,622-99.8% | - |