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| Provider | Service type | Compensation |
|---|---|---|
ERICKSON DEMEL & CO., PLLC2 years Service code 10 · EIN 46-4064364 | Accounting | $30,000 |
STANCORP FINANCIAL GROUP3 years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Re... | $23,553 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 27 · EIN 42-1445429 | Advisory (Plan) | $10,691 |
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.
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 | $8,385 | $43,133-80.6% | $89,435-90.6% | $73,497-88.6% |
| Participation rate | 63.9% | 55.0%+8.9pp | 68.0%-4.1pp | 70.7%-6.8pp |
| Annual return | 14.19% | 135.66%-121.5pp | 245.55%-231.4pp | 28.51%-14.3pp |
| Employer contribution / active EE | $1,373 | $1,438-4.5% | $2,587-46.9% | $2,270-39.5% |
| Participant deferral / active EE | $448 | $2,445-81.7% | $3,890-88.5% | $3,740-88.0% |
| Admin fee / account holder | $206 | $444-53.6% | $4,884-95.8% | $513-59.9% |