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| Provider | Service type | Compensation |
|---|---|---|
AT RETIREMENT SERVICES, LLC4 years Service code 12 · EIN 83-3455979 | Custodial (other than securities); Re... | $8,113 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $5,812 | $91,695-93.7% | $67,575-91.4% | $77,736-92.5% |
| Participation rate | 28.2% | 76.0%-47.8pp | 72.9%-44.7pp | 70.6%-42.4pp |
| Annual return | 13.02% | 14.88%-1.9pp | 3528.98%-3516.0pp | 31.26%-18.2pp |
| Employer contribution / active EE | $0 | $3,189-100.0% | $2,736-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $639 | $3,912-83.7% | $4,003-84.0% | $4,651-86.3% |
| Admin fee / account holder | $42 | $245-83.0% | $3,993-99.0% | $433-90.4% |