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| Provider | Service type | Compensation |
|---|---|---|
FIRST MERCANTILE TRUST COMPANY1+ years Filed as: FIRST MERCANTILE TRUST Service code 15 · EIN 62-1549435 57 GERMANTOWN CT · CORDOVA, TN 38018 | Recordkeeping | $0 |
PRUDENT INVESTOR ADVISORS1+ years Service code 16 · EIN 65-1306741 791 8TH STREET · ARCATA, CA 95521 | Consulting | $0 |
ROYAL ALLIANCE ASSOCIATES INC1+ years Filed as: ROYAL ALLIANCE ASSOCIATES Service code 16 · EIN 45-5146130 1515 RESPONSE RD. · SACRAMENTO, CA 95815 | Consulting | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $88,621 | $50,498+75.5% | $75,784+16.9% | $55,191+60.6% |
| Participation rate | 58.8% | 69.4%-10.7pp | 75.8%-17.1pp | 69.2%-10.4pp |
| Annual return | -0.27% | 1.80%-2.1pp | 9.68%-9.9pp | 10.78%-11.0pp |
| Employer contribution / active EE | $2,612 | $2,291+14.0% | $3,323-21.4% | $1,899+37.6% |
| Participant deferral / active EE | $4,745 | $2,589+83.3% | $3,652+29.9% | $3,046+55.8% |
| Admin fee / account holder | $25 | $123-79.6% | $5,300-99.5% | $91-72.4% |