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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930 | Recordkeeping | $30,886 |
RPA FINANCIAL LLC2 years Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $15,688 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $34,530 | $31,038+11.3% | $65,328-47.1% | $74,440-53.6% |
| Participation rate | 39.9% | 66.9%-27.0pp | 64.9%-25.0pp | 70.7%-30.8pp |
| Annual return | 17.01% | 38.60%-21.6pp | 47.39%-30.4pp | 34.37%-17.4pp |
| Employer contribution / active EE | $571 | $1,188-51.9% | $1,692-66.2% | $2,638-78.3% |
| Participant deferral / active EE | $1,413 | $2,792-49.4% | $2,832-50.1% | $4,529-68.8% |
| Admin fee / account holder | $295 | $299-1.4% | $4,116-92.8% | $348-15.3% |