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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC3+ years Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $11,917 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,870 | $28,416+36.8% | $73,550-47.2% | $69,631-44.2% |
| Participation rate | 40.0% | 38.3%+1.7pp | 54.9%-14.9pp | 70.7%-30.7pp |
| Annual return | 13.22% | -694.13%+707.4pp | -15.16%+28.4pp | 27571.02%-27557.8pp |
| Employer contribution / active EE | $402 | $430-6.7% | $1,219-67.0% | $2,032-80.2% |
| Participant deferral / active EE | $967 | $897+7.8% | $1,804-46.4% | $3,224-70.0% |
| Admin fee / account holder | $80 | $104-23.4% | $2,320-96.6% | $110-27.6% |