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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,541 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $173,847 | $72,658+139.3% | $127,803+36.0% | $67,579+157.2% |
| Participation rate | 5.8% | 80.0%-74.2pp | 79.0%-73.2pp | 71.3%-65.5pp |
| Annual return | 15.70% | 26.49%-10.8pp | 26.14%-10.4pp | 378.56%-362.9pp |
| Employer contribution / active EE | $3,249 | $3,988-18.5% | $4,576-29.0% | $2,148+51.3% |
| Participant deferral / active EE | $5,470 | $5,383+1.6% | $6,023-9.2% | $3,539+54.6% |
| Admin fee / account holder | $954 | $127+651.3% | $9,399-89.9% | $142+570.4% |