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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.2 years Service code 15 · EIN 23-1945930 | Recordkeeping | $22,812 |
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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,446 | $46,332-71.0% | $143,799-90.6% | $64,819-79.3% |
| Participation rate | 25.3% | 64.2%-38.9pp | 80.3%-55.0pp | 71.5%-46.1pp |
| Annual return | -28.06% | -10.05%-18.0pp | -0.04%-28.0pp | 32.84%-60.9pp |
| Employer contribution / active EE | $1,117 | $1,911-41.6% | $4,952-77.5% | $2,507-55.5% |
| Participant deferral / active EE | $3,075 | $2,647+16.2% | $5,638-45.5% | $4,311-28.7% |
| Admin fee / account holder | $160 | $154+3.9% | $14,677-98.9% | $188-14.9% |