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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $200 |
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).
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 | $24,512 | $55,449-55.8% | $83,830-70.8% | $56,287-56.5% |
| Participation rate | 29.5% | 68.0%-38.5pp | 76.1%-46.6pp | 69.9%-40.3pp |
| Annual return | -9.12% | -1.38%-7.7pp | 850.97%-860.1pp | -9.96%+0.8pp |
| Employer contribution / active EE | $770 | $2,430-68.3% | $3,631-78.8% | $2,111-63.5% |
| Participant deferral / active EE | $1,931 | $2,935-34.2% | $4,082-52.7% | $3,350-42.3% |
| Admin fee / account holder | $323 | $656-50.8% | $5,479-94.1% | $521-38.0% |