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| Provider | Service type | Compensation |
|---|---|---|
OPPENHEIMER5+ years Filed as: OPPENHEIMER & CO., INC. Service code 51 · EIN 13-5657518 85 BROAD STREET · NEW YORK, NY 10004 | Investment Mgmt Fees | $43,923 |
MATRIX TRUST COMPANY4+ years Filed as: MATRIX TRUST CO Service code 19 · EIN 75-3182674 717 17TH STREET, SUITE 1300 · DENVER, CO 80202 | Securities Custodian | $4,210 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $34,604 | $51,620-33.0% | $90,304-61.7% | $65,185-46.9% |
| Participation rate | 61.2% | 68.6%-7.4pp | 73.3%-12.1pp | 70.2%-9.0pp |
| Annual return | 21.98% | 24.94%-3.0pp | 78.13%-56.1pp | 29.38%-7.4pp |
| Employer contribution / active EE | $635 | $2,235-71.6% | $2,855-77.8% | $2,177-70.8% |
| Participant deferral / active EE | $1,133 | $2,871-60.5% | $3,885-70.8% | $3,514-67.8% |
| Admin fee / account holder | $376 | $384-2.1% | $5,354-93.0% | $847-55.6% |