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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $300 |
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.)
Annual investment return 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).
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 | $27,183 | $31,679-14.2% | $74,719-63.6% | $65,185-58.3% |
| Participation rate | 36.1% | 40.4%-4.3pp | 54.5%-18.4pp | 70.2%-34.1pp |
| Annual return | 14.53% | 39.04%-24.5pp | 753.05%-738.5pp | 29.38%-14.8pp |
| Employer contribution / active EE | $591 | $566+4.5% | $1,084-45.4% | $2,177-72.8% |
| Participant deferral / active EE | $1,015 | $1,191-14.8% | $1,963-48.3% | $3,514-71.1% |
| Admin fee / account holder | $389 | $379+2.7% | $3,334-88.3% | $847-54.1% |