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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $50,669 |
Filed as: MML INVESTOR SVCS Service code 27 PO BOX 9500 · SPRINGFIELD, MA 011029500 | Advisory (Plan) | $6,491 |
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).
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,113 | $30,147-96.3% | $58,544-98.1% | $80,149-98.6% |
| Participation rate | 54.6% | 34.4%+20.2pp | 50.9%+3.7pp | 72.9%-18.3pp |
| Annual return | 21.06% | 21.97%-0.9pp | 4249.56%-4228.5pp | 40.39%-19.3pp |
| Employer contribution / active EE | $249 | $528-52.8% | $1,053-76.4% | $2,977-91.6% |
| Participant deferral / active EE | $260 | $1,249-79.2% | $1,923-86.5% | $5,015-94.8% |
| Admin fee / account holder | $27 | $195-86.1% | $2,520-98.9% | $145-81.3% |