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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $264 |
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.
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).
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 | $42,887 | $49,138-12.7% | $84,021-49.0% | $65,185-34.2% |
| Participation rate | 36.4% | 60.7%-24.3pp | 69.0%-32.6pp | 70.2%-33.8pp |
| Annual return | 17.41% | 23.00%-5.6pp | 71.32%-53.9pp | 29.38%-12.0pp |
| Employer contribution / active EE | $308 | $914-66.3% | $1,984-84.5% | $2,177-85.8% |
| Participant deferral / active EE | $1,981 | $2,397-17.3% | $3,239-38.8% | $3,514-43.6% |
| Admin fee / account holder | $355 | $543-34.7% | $6,102-94.2% | $847-58.1% |