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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC3+ years Service code 55 · EIN 13-2638166 | Other Commissions | $6,235 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,681 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,412 | $51,466-79.8% | $78,778-86.8% | $62,293-83.3% |
| Participation rate | 63.6% | 59.8%+3.8pp | 69.2%-5.6pp | 69.5%-5.9pp |
| Annual return | 16.38% | 19.96%-3.6pp | 35.62%-19.2pp | 28.90%-12.5pp |
| Employer contribution / active EE | $223 | $827-73.0% | $1,986-88.8% | $2,042-89.1% |
| Participant deferral / active EE | $1,480 | $2,147-31.1% | $2,958-50.0% | $3,169-53.3% |
| Admin fee / account holder | $8 | $489-98.4% | $5,134-99.8% | $479-98.4% |