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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $354 |
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.
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 | $76,524 | $31,679+141.6% | $74,722+2.4% | $65,185+17.4% |
| Participation rate | 12.0% | 40.4%-28.4pp | 54.5%-42.5pp | 70.2%-58.2pp |
| Annual return | 20.60% | 39.04%-18.4pp | 753.11%-732.5pp | 29.38%-8.8pp |
| Employer contribution / active EE | $72 | $566-87.2% | $1,084-93.3% | $2,177-96.7% |
| Participant deferral / active EE | $796 | $1,191-33.1% | $1,963-59.4% | $3,514-77.3% |
| Admin fee / account holder | $18 | $379-95.3% | $3,335-99.5% | $847-97.9% |