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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $13,165 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $25,493 | $52,884-51.8% | $84,753-69.9% | $55,167-53.8% |
| Participation rate | 39.2% | 67.5%-28.3pp | 76.6%-37.4pp | 69.0%-29.8pp |
| Annual return | 6.39% | 18.03%-11.6pp | 22.78%-16.4pp | 169.23%-162.8pp |
| Employer contribution / active EE | $297 | $2,233-86.7% | $3,574-91.7% | $1,963-84.9% |
| Participant deferral / active EE | $1,939 | $2,644-26.6% | $3,712-47.8% | $3,054-36.5% |
| Admin fee / account holder | $4 | $581-99.3% | $5,333-99.9% | $504-99.2% |