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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $12,821 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $26,523 | $76,669-65.4% | $96,520-72.5% | $71,495-62.9% |
| Participation rate | 32.1% | 66.6%-34.4pp | 74.3%-42.2pp | 67.9%-35.8pp |
| Annual return | 18.80% | 48.29%-29.5pp | 35.72%-16.9pp | 28.85%-10.1pp |
| Employer contribution / active EE | $0 | $3,031-100.0% | $3,739-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,844 | $3,771-51.1% | $4,879-62.2% | $4,291-57.0% |
| Admin fee / account holder | $28 | $2,028-98.6% | $6,733-99.6% | $1,588-98.2% |