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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $41,481 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $16,589 | $50,919-67.4% | $155,556-89.3% | $77,762-78.7% |
| Participation rate | 44.5% | 63.1%-18.6pp | 78.2%-33.7pp | 70.6%-26.1pp |
| Annual return | 15.35% | 34.84%-19.5pp | 64.84%-49.5pp | 31.27%-15.9pp |
| Employer contribution / active EE | $399 | $1,991-79.9% | $4,675-91.5% | $2,728-85.4% |
| Participant deferral / active EE | $536 | $2,824-81.0% | $5,631-90.5% | $4,651-88.5% |
| Admin fee / account holder | $25 | $437-94.3% | $15,885-99.8% | $433-94.3% |