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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE2+ years Filed as: NATIONWIDE LIFE INSURANCE Service code 18 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Investment management fees paid indir... | $9,833 |
Filed as: MUTUAL OF AMERICA LIFE INSURANCE CO Service code 12 320 PARK AVENUE · NEW YORK, NY 10022 | Participant loan processing; Recordke... | $312 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $18,822 | $46,732-59.7% | $156,551-88.0% | $55,167-65.9% |
| Participation rate | 62.0% | 65.8%-3.8pp | 84.0%-22.1pp | 69.0%-7.0pp |
| Annual return | 8.25% | 17.72%-9.5pp | 32.23%-24.0pp | 169.23%-161.0pp |
| Employer contribution / active EE | $1,128 | $2,105-46.4% | $5,501-79.5% | $1,963-42.5% |
| Participant deferral / active EE | $1,982 | $2,204-10.1% | $4,871-59.3% | $3,054-35.1% |
| Admin fee / account holder | $31 | $418-92.6% | $13,028-99.8% | $504-93.9% |