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| Provider | Service type | Compensation |
|---|---|---|
WHITTLESEY PC1 year Service code 10 · EIN 06-0903326 | Accounting | $20,500 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $48,046 | $42,396+13.3% | $67,313-28.6% | $56,289-14.6% |
| Participation rate | 17.3% | 61.0%-43.7pp | 69.1%-51.8pp | 69.9%-52.5pp |
| Annual return | -10.07% | -36.63%+26.6pp | -4.08%-6.0pp | -9.96%-0.1pp |
| Employer contribution / active EE | $502 | $1,414-64.5% | $2,566-80.5% | $2,111-76.2% |
| Participant deferral / active EE | $1,049 | $2,360-55.5% | $3,568-70.6% | $3,350-68.7% |
| Admin fee / account holder | $1,142 | $510+124.1% | $4,507-74.7% | $521+119.2% |