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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERICAN UNITED LIFE INSURANCE CO. Service code 15 · EIN 35-0145825 | Recordkeeping | $22,559 |
Filed as: CAMBRIDGE INVEST RESEARCH ADVISOR Service code 26 · EIN 20-1665305 | Advisory (Participants) | $8,236 |
Service code 52 | Indirect Investment Fees | $0 |
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).
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 | $30,622 | $55,453-44.8% | $170,435-82.0% | $62,293-50.8% |
| Participation rate | 53.1% | 66.4%-13.3pp | 83.6%-30.5pp | 69.5%-16.4pp |
| Annual return | 16.94% | 21.38%-4.4pp | 205.94%-189.0pp | 28.90%-12.0pp |
| Employer contribution / active EE | $0 | $2,164-100.0% | $5,432-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,083 | $2,303-9.5% | $4,939-57.8% | $3,169-34.3% |
| Admin fee / account holder | $73 | $455-83.9% | $13,881-99.5% | $479-84.7% |