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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $1,498 |
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.
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).
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 | $28,582 | $99,957-71.4% | $149,730-80.9% | $73,493-61.1% |
| Participation rate | 6.1% | 75.7%-69.6pp | 82.5%-76.4pp | 70.7%-64.6pp |
| Annual return | 17.07% | 53.87%-36.8pp | 276.70%-259.6pp | 28.51%-11.4pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $719 | $6,073-88.2% | $6,843-89.5% | $3,740-80.8% |
| Admin fee / account holder | $125 | $551-77.3% | $9,310-98.7% | $513-75.7% |