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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D. JONES & CO, LP Service code 26 · EIN 43-0345811 | Advisory (Participants) | $13,411 |
Filed as: M HOLDINGS SECURITES, INC. Service code 26 · EIN 91-1802259 | Advisory (Participants) | $2,033 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,699 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $929 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $44,008 | $42,548+3.4% | $74,551-41.0% | $56,289-21.8% |
| Participation rate | 45.3% | 60.5%-15.2pp | 69.1%-23.9pp | 69.9%-24.6pp |
| Annual return | -2.71% | 12.40%-15.1pp | 32.53%-35.2pp | -9.96%+7.2pp |
| Employer contribution / active EE | $1,444 | $855+68.8% | $1,961-26.4% | $2,111-31.6% |
| Participant deferral / active EE | $2,349 | $2,277+3.2% | $3,108-24.4% | $3,350-29.9% |
| Admin fee / account holder | $314 | $467-32.9% | $5,059-93.8% | $521-39.8% |