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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FMB RETIREMENT SERVICES Service code 27 2659 TOWNSGATE RD, STE 246 · WESTLAKE VILLAGE, CA 913612789 | Advisory (Plan) | $9,654 |
Service code 15 · EIN 48-1205033 | Recordkeeping | $8,183 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,369 | $95,406-75.5% | $185,849-87.4% | $85,847-72.8% |
| Participation rate | 51.4% | 68.8%-17.3pp | 81.7%-30.3pp | 69.3%-17.9pp |
| Annual return | 12.74% | 23.59%-10.8pp | 122.10%-109.4pp | 318.61%-305.9pp |
| Employer contribution / active EE | $678 | $3,314-79.6% | $5,169-86.9% | $2,565-73.6% |
| Participant deferral / active EE | $1,538 | $3,424-55.1% | $5,569-72.4% | $3,952-61.1% |
| Admin fee / account holder | $297 | $7,214-95.9% | $16,244-98.2% | $6,261-95.3% |