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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $39,986 |
Service code 15 · EIN 27-0293282 | Recordkeeping | $4,117 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $34,339 | $54,193-36.6% | $93,669-63.3% | $77,714-55.8% |
| Participation rate | 32.6% | 63.9%-31.4pp | 68.7%-36.2pp | 70.6%-38.0pp |
| Annual return | 9.09% | 30.54%-21.5pp | 133.59%-124.5pp | 31.26%-22.2pp |
| Employer contribution / active EE | $442 | $1,168-62.2% | $2,424-81.8% | $2,727-83.8% |
| Participant deferral / active EE | $1,233 | $3,144-60.8% | $4,416-72.1% | $4,649-73.5% |
| Admin fee / account holder | $347 | $576-39.7% | $8,291-95.8% | $433-19.8% |