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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 | $92,224-96.9% | $105,223-97.3% | $79,634-96.4% |
| Participation rate | 100.0% | 69.2%+30.8pp | 75.0%+25.0pp | 62.5%+37.5pp |
| Annual return | 13.60% | 88.65%-75.0pp | 180.65%-167.0pp | 36.46%-22.9pp |
| Employer contribution / active EE | $1,141 | $3,965-71.2% | $3,689-69.1% | $2,529-54.9% |
| Participant deferral / active EE | $0 | $3,834-100.0% | $5,072-100.0% | $3,835-100.0% |
| Admin fee / account holder | $142 | $1,121-87.3% | $8,859-98.4% | $1,002-85.8% |