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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $29,876 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $63,378 | $54,573+16.1% | $90,965-30.3% | $73,493-13.8% |
| Participation rate | 33.7% | 61.2%-27.5pp | 69.0%-35.4pp | 70.7%-37.0pp |
| Annual return | 10.44% | 16.69%-6.2pp | 134.57%-124.1pp | 28.51%-18.1pp |
| Employer contribution / active EE | $234 | $991-76.3% | $2,122-89.0% | $2,270-89.7% |
| Participant deferral / active EE | $1,588 | $2,517-36.9% | $3,373-52.9% | $3,740-57.5% |
| Admin fee / account holder | $382 | $521-26.8% | $5,960-93.6% | $513-25.6% |