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| Provider | Service type | Compensation |
|---|---|---|
DECIMAL, INC.1 year Service code 14 44 MONTGOMERY STREET · SAN FRANCISCO, CA 94104 | Plan Administrator | $8,010 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,218 | $84,493-72.5% | $125,381-81.5% | $66,938-65.3% |
| Participation rate | 9.0% | 76.4%-67.4pp | 82.4%-73.3pp | 69.8%-60.8pp |
| Annual return | -8.78% | -8.49%-0.3pp | 572.31%-581.1pp | 1.58%-10.4pp |
| Employer contribution / active EE | $1,389 | $3,554-60.9% | $4,815-71.1% | $2,545-45.4% |
| Participant deferral / active EE | $4,963 | $6,783-26.8% | $7,448-33.4% | $4,238+17.1% |
| Admin fee / account holder | $68 | $685-90.1% | $10,007-99.3% | $594-88.5% |