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| Provider | Service type | Compensation |
|---|---|---|
EMJAY CORPORATION3+ years Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $440 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $42,244 | $48,064-12.1% | $78,778-46.4% | $69,631-39.3% |
| Participation rate | 22.3% | 61.6%-39.3pp | 69.2%-46.9pp | 70.7%-48.4pp |
| Annual return | 22.67% | 21.81%+0.9pp | 35.62%-13.0pp | 27571.02%-27548.4pp |
| Employer contribution / active EE | $401 | $744-46.1% | $1,986-79.8% | $2,032-80.3% |
| Participant deferral / active EE | $972 | $2,079-53.2% | $2,958-67.1% | $3,224-69.8% |
| Admin fee / account holder | $4 | $152-97.2% | $5,134-99.9% | $110-96.2% |