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| Provider | Service type | Compensation |
|---|---|---|
AMERICA'S 401K, INC.1 year Service code 13 | Contract Administrator | $4,198 |
AMERICAS 401K, INC.1 year Service code 13 · EIN 75-2261114 | Contract Administrator | $1,450 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $40,423 | $63,314-36.2% | $91,004-55.6% | $62,293-35.1% |
| Participation rate | 57.0% | 73.3%-16.4pp | 75.6%-18.6pp | 69.5%-12.5pp |
| Annual return | 11.74% | 21.00%-9.3pp | 4.60%+7.1pp | 28.90%-17.2pp |
| Employer contribution / active EE | $983 | $1,807-45.6% | $2,456-60.0% | $2,042-51.9% |
| Participant deferral / active EE | $1,925 | $2,944-34.6% | $3,548-45.7% | $3,169-39.3% |
| Admin fee / account holder | $47 | $468-90.0% | $5,417-99.1% | $479-90.2% |