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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $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).
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 | $43,372 | $60,165-27.9% | $74,184-41.5% | $55,167-21.4% |
| Participation rate | 51.3% | 74.2%-22.8pp | 76.6%-25.3pp | 69.0%-17.7pp |
| Annual return | 6.10% | 10.00%-3.9pp | 17.74%-11.6pp | 169.23%-163.1pp |
| Employer contribution / active EE | $307 | $1,600-80.8% | $2,370-87.0% | $1,963-84.3% |
| Participant deferral / active EE | $2,152 | $2,973-27.6% | $3,550-39.4% | $3,054-29.5% |
| Admin fee / account holder | $3 | $419-99.3% | $5,586-99.9% | $504-99.4% |