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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HOWARDSIMON, INC. Service code 14 304 SAUNDERS ROAD · RIVERWOODS, IL 60015 | Plan Administrator | $30,034 |
UBS FINANCIAL SERVICES INC2 years Filed as: UBS Service code 10 201 NORTH NEW YORK AVENUE · WINTER PARK, FL 32789 | Accounting | $10,018 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer 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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,408 | $84,936-58.3% | $111,303-68.2% | $79,393-55.4% |
| Participation rate | 72.2% | 75.9%-3.7pp | 77.3%-5.1pp | 70.7%+1.5pp |
| Annual return | 11.73% | 17.45%-5.7pp | 54.66%-42.9pp | 116.87%-105.1pp |
| Employer contribution / active EE | $476 | $1,979-76.0% | $2,731-82.6% | $2,428-80.4% |
| Participant deferral / active EE | $1,413 | $3,888-63.7% | $4,487-68.5% | $4,046-65.1% |
| Admin fee / account holder | $463 | $537-13.8% | $7,966-94.2% | $627-26.1% |