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| Provider | Service type | Compensation |
|---|---|---|
Service code 19 · EIN 51-0396365 | Securities Custodian | $87,056 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $78,455 | $65,125+20.5% | $143,797-45.4% | $66,949+17.2% |
| Participation rate | 57.0% | 65.2%-8.3pp | 80.3%-23.4pp | 69.8%-12.9pp |
| Annual return | -15.69% | -11.13%-4.6pp | -0.04%-15.6pp | 1.57%-17.3pp |
| Employer contribution / active EE | $1,721 | $2,362-27.1% | $4,952-65.2% | $2,545-32.4% |
| Participant deferral / active EE | $3,630 | $2,920+24.3% | $5,638-35.6% | $4,239-14.4% |
| Admin fee / account holder | $486 | $503-3.3% | $14,679-96.7% | $594-18.1% |