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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE2+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $42,014 |
PENSION FINANCIAL SERVICES, INC.2+ years Filed as: PENSION FINANCIAL SERVICES, INC Service code 13 3700 CRESTWOOD PKWY STE 550 · DULUTH, GA 300967157 | Contract Administrator | $7,319 |
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 | $32,432 | $43,423-25.3% | $78,676-58.8% | $55,167-41.2% |
| Participation rate | 61.3% | 68.0%-6.8pp | 73.6%-12.3pp | 69.0%-7.7pp |
| Annual return | 6.35% | 11.53%-5.2pp | 62.19%-55.8pp | 169.23%-162.9pp |
| Employer contribution / active EE | $1,650 | $1,997-17.4% | $2,850-42.1% | $1,963-15.9% |
| Participant deferral / active EE | $2,142 | $2,509-14.6% | $3,517-39.1% | $3,054-29.9% |
| Admin fee / account holder | $484 | $416+16.2% | $4,510-89.3% | $504-4.0% |