Filed May 28, 2019
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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $31,852 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $71,833 | $70,002+2.6% | $115,038-37.6% | $52,331+37.3% |
| Participation rate | 62.0% | 72.1%-10.1pp | 81.4%-19.4pp | 68.1%-6.1pp |
| Annual return | -2.19% | 4.04%-6.2pp | 26.14%-28.3pp | 4.54%-6.7pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $6,642 | $4,920+35.0% | $6,026+10.2% | $3,022+119.8% |
| Admin fee / account holder | $379 | $566-33.0% | $8,175-95.4% | $592-35.9% |