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| Provider | Service type | Compensation |
|---|---|---|
Service code 66 | Insurance mortality and expense charg... | $15,028 |
EDWARD JONES2 years Filed as: EDWARD D JONES AND CO Service code 26 · EIN 43-0345811 | Advisory (Participants) | $5,984 |
Filed as: AMERICAN UNITED LIFE INSURANCE COMP Service code 15 · EIN 35-0145825 | Recordkeeping | $3,384 |
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 | $20,607 | $45,872-55.1% | $77,096-73.3% | $68,486-69.9% |
| Participation rate | 94.6% | 55.9%+38.6pp | 67.9%+26.6pp | 67.9%+26.7pp |
| Annual return | -17.39% | 1.73%-19.1pp | 42.35%-59.7pp | -7.85%-9.5pp |
| Employer contribution / active EE | $918 | $1,650-44.4% | $2,814-67.4% | $2,597-64.7% |
| Participant deferral / active EE | $2,601 | $2,963-12.2% | $4,429-41.3% | $4,028-35.4% |
| Admin fee / account holder | $89 | $3,041-97.1% | $5,428-98.4% | $5,404-98.4% |