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| Provider | Service type | Compensation |
|---|---|---|
BENECO SYSTEMS, LLC5 years Service code 15 · EIN 41-2046279 | Recordkeeping | $41,741 |
Participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,158 | $77,677-41.9% | $109,188-58.6% | $79,389-43.1% |
| Participation rate | 81.9% | 67.8%+14.1pp | 75.9%+6.0pp | 70.7%+11.2pp |
| Annual return | 15.16% | 23.44%-8.3pp | 25.76%-10.6pp | 116.89%-101.7pp |
| Employer contribution / active EE | $3,961 | $2,798+41.6% | $3,723+6.4% | $2,428+63.2% |
| Participant deferral / active EE | $505 | $3,517-85.6% | $4,654-89.1% | $4,046-87.5% |
| Admin fee / account holder | $321 | $732-56.2% | $6,755-95.2% | $626-48.7% |