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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $18,341 | $37,044-50.5% | $71,796-74.5% | $57,658-68.2% |
| Participation rate | 51.8% | 61.1%-9.4pp | 69.1%-17.4pp | 70.2%-18.5pp |
| Annual return | 6.36% | 12.64%-6.3pp | 78.04%-71.7pp | 5.13%+1.2pp |
| Employer contribution / active EE | $0 | $720-100.0% | $1,924-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,019 | $1,974+2.3% | $2,794-27.8% | $3,061-34.0% |
| Admin fee / account holder | -$2 | $101-102.2% | $4,815-100.0% | $95-102.4% |