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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $4,491 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $138,013 | $86,225+60.1% | $146,647-5.9% | $86,821+59.0% |
| Participation rate | 64.9% | 78.0%-13.1pp | 80.1%-15.2pp | 72.3%-7.4pp |
| Annual return | 12.65% | 31.23%-18.6pp | 22.75%-10.1pp | 97.94%-85.3pp |
| Employer contribution / active EE | $1,017 | $2,392-57.5% | $4,137-75.4% | $2,406-57.7% |
| Participant deferral / active EE | $3,305 | $4,245-22.1% | $5,506-40.0% | $4,132-20.0% |
| Admin fee / account holder | $450 | $195+130.6% | $10,281-95.6% | $170+165.6% |