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| Provider | Service type | Compensation |
|---|---|---|
RJA 338 FEE1 year Service code 26 · EIN 59-1237041 | Advisory (Participants) | $20,725 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $356 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,276 | $59,220+33.9% | $96,572-17.9% | $79,389-0.1% |
| Participation rate | 66.0% | 61.9%+4.1pp | 69.8%-3.8pp | 70.7%-4.7pp |
| Annual return | 12.62% | 27.08%-14.5pp | 37.79%-25.2pp | 116.89%-104.3pp |
| Employer contribution / active EE | $1,565 | $1,216+28.7% | $2,357-33.6% | $2,428-35.5% |
| Participant deferral / active EE | $4,806 | $2,948+63.0% | $3,850+24.8% | $4,046+18.8% |
| Admin fee / account holder | $445 | $659-32.4% | $6,183-92.8% | $626-28.9% |