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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BENEFIT PLANS ADMIN SERVICES,INC. Service code 15 · EIN 16-1503696 | Recordkeeping | $5,067 |
UBS FINANCIAL SERVICES INC3+ years Filed as: UBS TRUST COMPANY OF PUERTO RICO Service code 21 · EIN 66-0532499 | Bank Trustee | $943 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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).
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 | $4,690 | $63,156-92.6% | $122,354-96.2% | $62,293-92.5% |
| Participation rate | 78.7% | 60.0%+18.7pp | 71.6%+7.1pp | 69.5%+9.2pp |
| Annual return | 6.28% | 20.61%-14.3pp | 30.28%-24.0pp | 28.90%-22.6pp |
| Employer contribution / active EE | $175 | $1,385-87.3% | $4,051-95.7% | $2,042-91.4% |
| Participant deferral / active EE | $935 | $2,321-59.7% | $3,287-71.6% | $3,169-70.5% |
| Admin fee / account holder | $22 | $440-95.0% | $5,479-99.6% | $479-95.4% |