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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.5 years Service code 15 · EIN 23-1945930 | Recordkeeping | $29,667 |
RPA FINANCIAL LLC3 years Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $18,764 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,142 | $36,981+8.5% | $69,701-42.4% | $77,671-48.3% |
| Participation rate | 42.2% | 64.2%-22.0pp | 66.4%-24.3pp | 70.6%-28.4pp |
| Annual return | 10.57% | 29.30%-18.7pp | 100.32%-89.8pp | 31.21%-20.6pp |
| Employer contribution / active EE | $591 | $1,267-53.3% | $1,713-65.5% | $2,726-78.3% |
| Participant deferral / active EE | $1,608 | $2,750-41.5% | $2,887-44.3% | $4,648-65.4% |
| Admin fee / account holder | $319 | $511-37.6% | $4,717-93.2% | $430-26.0% |