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| Provider | Service type | Compensation |
|---|---|---|
SAGEPOINT FINANCIAL INC2+ years Service code 55 2800 N CENTRAL AVE STE 2100 · PHOENIX, AZ 85004 | Other Commissions | $7,065 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,200 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $32,977 | $63,924-48.4% | $108,582-69.6% | $55,167-40.2% |
| Participation rate | 93.0% | 74.3%+18.7pp | 79.6%+13.4pp | 69.0%+24.0pp |
| Annual return | 5.32% | 15.31%-10.0pp | -51.70%+57.0pp | 169.23%-163.9pp |
| Employer contribution / active EE | $0 | $1,879-100.0% | $3,758-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,687 | $3,067-12.4% | $4,311-37.7% | $3,054-12.0% |
| Admin fee / account holder | $22 | $618-96.4% | $7,645-99.7% | $504-95.6% |