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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $33,377 |
CETERA ADVISOR NETWORKS LLC4 years Service code 26 · EIN 95-3845382 | Advisory (Participants) | $19,976 |
PASI, LLC6+ years Service code 13 · EIN 26-1407927 | Contract Administrator | $13,308 |
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.
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).
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 | $12,679 | $51,288-75.3% | $81,991-84.5% | $73,412-82.7% |
| Participation rate | 42.0% | 64.0%-22.0pp | 69.3%-27.3pp | 72.2%-30.2pp |
| Annual return | 12.93% | 29.48%-16.6pp | 41.31%-28.4pp | 59.30%-46.4pp |
| Employer contribution / active EE | $211 | $1,487-85.8% | $2,498-91.5% | $2,234-90.5% |
| Participant deferral / active EE | $1,467 | $2,715-46.0% | $3,722-60.6% | $3,806-61.5% |
| Admin fee / account holder | $128 | $125+2.2% | $5,665-97.7% | $158-18.9% |