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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $23,345 |
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).
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 | $50,458 | $42,548+18.6% | $74,552-32.3% | $56,287-10.4% |
| Participation rate | 31.3% | 60.5%-29.2pp | 69.1%-37.8pp | 69.9%-38.5pp |
| Annual return | -6.53% | 12.40%-18.9pp | 32.53%-39.1pp | -9.96%+3.4pp |
| Employer contribution / active EE | $222 | $855-74.0% | $1,961-88.7% | $2,111-89.5% |
| Participant deferral / active EE | $1,526 | $2,277-33.0% | $3,108-50.9% | $3,350-54.4% |
| Admin fee / account holder | $315 | $467-32.6% | $5,060-93.8% | $521-39.6% |