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| Provider | Service type | Compensation |
|---|---|---|
INDEPENDENT FINANCIAL GROUP LLC2+ years Service code 27 12636 HIGH BLUFF DR STE 100 · SAN DIEGO, CA 92130 | Advisory (Plan) | $77,107 |
Filed as: GREAT WEST LIFE & ANNUITY COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $53,945 |
Service code 13 PO BOX 13928 · SAN JUAN, PR 009083928 | Contract Administrator | $10,000 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,688 | $50,106-60.7% | $69,779-71.8% | $57,658-65.9% |
| Participation rate | 66.1% | 70.9%-4.8pp | 71.8%-5.8pp | 70.2%-4.2pp |
| Annual return | 8.77% | 14.58%-5.8pp | 12.99%-4.2pp | 5.13%+3.6pp |
| Employer contribution / active EE | $414 | $1,739-76.2% | $2,338-82.3% | $1,974-79.0% |
| Participant deferral / active EE | $935 | $2,486-62.4% | $2,931-68.1% | $3,061-69.4% |
| Admin fee / account holder | $183 | $89+104.8% | $4,381-95.8% | $95+93.2% |