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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $10,078 |
Filed as: RAYMOND JAMES FIN SERVICES ADVISOR Service code 26 · EIN 59-1531281 | Advisory (Participants) | $6,460 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $16,191 | $55,437-70.8% | $155,534-89.6% | $74,459-78.3% |
| Participation rate | 47.7% | 61.9%-14.1pp | 78.2%-30.5pp | 67.2%-19.5pp |
| Annual return | 10.88% | 269.58%-258.7pp | 64.92%-54.0pp | 1369.70%-1358.8pp |
| Employer contribution / active EE | $442 | $2,266-80.5% | $4,675-90.5% | $2,626-83.2% |
| Participant deferral / active EE | $1,153 | $2,837-59.4% | $5,630-79.5% | $4,350-73.5% |
| Admin fee / account holder | $174 | $1,742-90.0% | $15,900-98.9% | $1,945-91.1% |