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| Provider | Service type | Compensation |
|---|---|---|
401K GENERATION3 years Service code 61 195 INTERNATIONAL PKWY · LAKE MARY, FL 32746 | Finders' fees / placement fees | $39,732 |
EPLAN ADVISORS, LLC3 years Service code 17 · EIN 84-1543746 | Pension Consulting | $19,318 |
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.)
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $70,175 | $73,102-4.0% | $123,552-43.2% | $56,287+24.7% |
| Participation rate | 54.8% | 74.3%-19.5pp | 82.3%-27.5pp | 69.9%-15.1pp |
| Annual return | -6.82% | 3.01%-9.8pp | 119.20%-126.0pp | -9.96%+3.1pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $4,132 | $5,423-23.8% | $6,426-35.7% | $3,350+23.3% |
| Admin fee / account holder | $597 | $554+7.8% | $9,285-93.6% | $521+14.6% |