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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC DB Service code 27 29 SAWYER RD · WALTHAM, MA 024533483 | Advisory (Plan) | $16,777 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,960 |
Filed as: ADVISED ASSETS GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $5,072 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $4,469 | $41,617-89.3% | $84,623-94.7% | $77,775-94.3% |
| Participation rate | 26.0% | 45.0%-19.0pp | 68.2%-42.2pp | 73.2%-47.2pp |
| Annual return | 25.41% | 24.97%+0.4pp | 258.77%-233.4pp | 32.58%-7.2pp |
| Employer contribution / active EE | $143 | $1,061-86.5% | $2,652-94.6% | $2,504-94.3% |
| Participant deferral / active EE | $1,202 | $2,129-43.5% | $3,899-69.2% | $3,966-69.7% |
| Admin fee / account holder | $47 | $121-61.4% | $4,913-99.0% | $100-53.4% |