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| Provider | Service type | Compensation |
|---|---|---|
CDM RETIREMENT CONSULTANTS, INC.5+ years Filed as: CDM RETIREMENT CONSULTANTS Service code 15 · EIN 52-2136664 300 EAST JOPPA ROAD, SUITE 601 · TOWSON, MD 21286 | Recordkeeping | $22,355 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $7,469 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $14,966 | $40,113-62.7% | $84,021-82.2% | $77,775-80.8% |
| Participation rate | 32.3% | 62.8%-30.5pp | 69.0%-36.7pp | 73.2%-40.9pp |
| Annual return | 22.30% | 23.27%-1.0pp | 71.32%-49.0pp | 32.58%-10.3pp |
| Employer contribution / active EE | $508 | $847-40.0% | $1,984-74.4% | $2,504-79.7% |
| Participant deferral / active EE | $676 | $2,030-66.7% | $3,239-79.1% | $3,966-83.0% |
| Admin fee / account holder | $32 | $92-64.6% | $6,102-99.5% | $100-67.6% |