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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK4+ years Service code 28 · EIN 74-2055649 | Investment Management | $9,529 |
JULY BUSINESS SERVICES4+ years Service code 15 · EIN 74-2715820 | Recordkeeping | $768 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $26,405 | $28,109-6.1% | $71,086-62.9% | $56,287-53.1% |
| Participation rate | 19.9% | 40.4%-20.5pp | 54.7%-34.8pp | 69.9%-50.0pp |
| Annual return | -6.08% | -615.05%+609.0pp | 650.59%-656.7pp | -9.96%+3.9pp |
| Employer contribution / active EE | $158 | $558-71.6% | $1,088-85.5% | $2,111-92.5% |
| Participant deferral / active EE | $653 | $1,116-41.5% | $1,874-65.2% | $3,350-80.5% |
| Admin fee / account holder | $322 | $585-45.0% | $3,082-89.6% | $521-38.2% |