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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $175 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 28 · EIN 42-1445429 1776 PLEASANT PLAIN ROAD · FAIRFIELD, IA 52556 | Investment Management | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $9,840 | $58,726-83.2% | $92,240-89.3% | $62,293-84.2% |
| Participation rate | 78.6% | 68.3%+10.3pp | 76.5%+2.2pp | 69.5%+9.1pp |
| Annual return | 14.20% | 43.62%-29.4pp | 176.29%-162.1pp | 28.90%-14.7pp |
| Employer contribution / active EE | $963 | $2,392-59.7% | $3,680-73.8% | $2,042-52.8% |
| Participant deferral / active EE | $1,410 | $2,766-49.0% | $3,897-63.8% | $3,169-55.5% |
| Admin fee / account holder | $5 | $556-99.1% | $5,194-99.9% | $479-99.0% |