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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 | $81,557-96.5% | $123,973-97.7% | $65,191-95.6% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.7%+23.3pp | 63.0%+37.0pp |
| Annual return | 13.60% | 11.45%+2.1pp | 388.13%-374.5pp | 51.24%-37.6pp |
| Employer contribution / active EE | $1,141 | $4,637-75.4% | $4,126-72.3% | $2,400-52.5% |
| Participant deferral / active EE | $0 | $2,628-100.0% | $5,247-100.0% | $2,671-100.0% |
| Admin fee / account holder | $142 | $1,040-86.3% | $11,799-98.8% | $907-84.3% |