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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $45,455 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $5 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $75,022 | $30,599+145.2% | $74,577+0.6% | $57,658+30.1% |
| Participation rate | 33.0% | 49.1%-16.2pp | 68.1%-35.1pp | 70.2%-37.3pp |
| Annual return | 6.09% | 14.24%-8.1pp | 20.47%-14.4pp | 5.13%+1.0pp |
| Employer contribution / active EE | $762 | $1,000-23.8% | $2,525-69.8% | $1,974-61.4% |
| Participant deferral / active EE | $1,479 | $1,805-18.1% | $3,458-57.2% | $3,061-51.7% |
| Admin fee / account holder | $321 | $98+227.6% | $4,138-92.2% | $95+239.7% |