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| Provider | Service type | Compensation |
|---|---|---|
CARDAY ASSOCIATES4+ years Service code 14 · EIN 38-2383171 | Plan Administrator | $24,720 |
NOVAK FRANCELLA LLC2 years Filed as: NOVAK FRANCELLA, LLC Service code 10 · EIN 61-1436956 | Accounting | $9,500 |
Service code 28 · EIN 58-2432390 | Investment Management | $9,375 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,866 | $77,788-96.3% | $119,126-97.6% | $64,728-95.6% |
| Participation rate | 100.0% | 69.4%+30.6pp | 75.8%+24.2pp | 57.9%+42.1pp |
| Annual return | 13.60% | 13.19%+0.4pp | 282.11%-268.5pp | 49.38%-35.8pp |
| Employer contribution / active EE | $1,141 | $4,031-71.7% | $4,034-71.7% | $2,243-49.1% |
| Participant deferral / active EE | $0 | $2,599-100.0% | $5,318-100.0% | $2,729-100.0% |
| Admin fee / account holder | $142 | $1,365-89.6% | $10,693-98.7% | $1,145-87.6% |