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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP3 years Filed as: AMERITAS LIFE INSURANCE CORPORATION Service code 15 · EIN 47-0098400 | Recordkeeping | $0 |
Filed as: THE GUARDIAN INS. & ANNUITY CO. Service code 15 · EIN 13-2656036 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $64,772 | $82,133-21.1% | $147,318-56.0% | $64,097+1.1% |
| Participation rate | 44.1% | 62.3%-18.2pp | 82.1%-38.0pp | 55.2%-11.1pp |
| Annual return | 16.79% | 78.78%-62.0pp | 70.43%-53.6pp | 34.64%-17.9pp |
| Employer contribution / active EE | $397 | $2,872-86.2% | $4,593-91.4% | $1,891-79.0% |
| Participant deferral / active EE | $2,857 | $5,407-47.2% | $7,906-63.9% | $3,080-7.2% |
| Admin fee / account holder | $223 | $3,730-94.0% | $13,708-98.4% | $3,454-93.5% |