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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 35-1140070 | Contract Administrator | $29,487 |
Filed as: MORSE, DOMEIER, BUMGARDNER, LLC Service code 15 · EIN 81-4636200 | Recordkeeping | $10,541 |
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 | $84,796 | $91,167-7.0% | $178,498-52.5% | $79,858+6.2% |
| Participation rate | 51.6% | 69.2%-17.6pp | 81.9%-30.3pp | 69.6%-18.0pp |
| Annual return | 6.29% | 24.19%-17.9pp | 151.09%-144.8pp | 31.72%-25.4pp |
| Employer contribution / active EE | $3,146 | $3,255-3.4% | $5,011-37.2% | $2,471+27.3% |
| Participant deferral / active EE | $3,389 | $3,236+4.7% | $5,202-34.9% | $3,740-9.4% |
| Admin fee / account holder | $590 | $6,747-91.3% | $13,985-95.8% | $5,306-88.9% |