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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $5,938 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $13,494 | $42,901-68.5% | $91,227-85.2% | $64,824-79.2% |
| Participation rate | 51.1% | 68.1%-17.0pp | 73.2%-22.1pp | 71.5%-20.3pp |
| Annual return | 4.47% | -13.53%+18.0pp | 114.14%-109.7pp | 32.84%-28.4pp |
| Employer contribution / active EE | $1,862 | $1,571+18.6% | $2,851-34.7% | $2,507-25.7% |
| Participant deferral / active EE | $2,951 | $3,501-15.7% | $4,234-30.3% | $4,311-31.5% |
| Admin fee / account holder | $12 | $131-91.0% | $5,423-99.8% | $188-93.7% |