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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERIPRISE FINANCIAL Service code 27 996 N. TEMPLE AVENUE · STARKE, FL 32091 | Advisory (Plan) | $12,386 |
PAI4+ years Service code 13 1300 ENTERPRISE DRIVE · DEPERE, WA 54115 | Contract Administrator | $6,002 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $22,238 | $42,396-47.5% | $67,313-67.0% | $56,289-60.5% |
| Participation rate | 39.0% | 61.0%-22.0pp | 69.1%-30.1pp | 69.9%-30.9pp |
| Annual return | -13.77% | -36.63%+22.9pp | -4.08%-9.7pp | -9.96%-3.8pp |
| Employer contribution / active EE | $587 | $1,414-58.5% | $2,566-77.1% | $2,111-72.2% |
| Participant deferral / active EE | $1,566 | $2,360-33.6% | $3,568-56.1% | $3,350-53.2% |
| Admin fee / account holder | $28 | $510-94.6% | $4,507-99.4% | $521-94.7% |