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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $26,152 |
COY, JOSEPH S.1 year Service code 49 1121 S 45TH ST · WEST DES MOINES, IA 502655307 | Other Services | $7,970 |
PACO INC1 year Filed as: PACO INC. Service code 13 · EIN 42-1064080 | Contract Administrator | $5,069 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 | Advisory (Plan) | $0 |
Filed as: WILSHIRE ADVISORS, LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,528 | $80,724-70.9% | $103,333-77.2% | $74,495-68.4% |
| Participation rate | 80.2% | 65.7%+14.5pp | 74.5%+5.7pp | 67.2%+13.0pp |
| Annual return | 12.42% | 27.56%-15.1pp | 24.88%-12.5pp | 1364.94%-1352.5pp |
| Employer contribution / active EE | $1,539 | $3,157-51.3% | $3,868-60.2% | $2,623-41.3% |
| Participant deferral / active EE | $2,570 | $3,860-33.4% | $5,057-49.2% | $4,346-40.9% |
| Admin fee / account holder | $355 | $2,368-85.0% | $8,355-95.8% | $1,942-81.7% |