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| Provider | Service type | Compensation |
|---|---|---|
RETIREMENT DIRECT2 years Service code 15 · EIN 91-2076699 | Recordkeeping | $11,611 |
AMERICAN REALTY ADVISORS5 years Filed as: FIRST AMERICAN BANK Service code 21 303 W. MAIN ST. · ARTESIA, NM 88210 | Bank Trustee | $9,602 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,950 | $63,471-78.0% | $68,808-79.7% | $66,938-79.2% |
| Participation rate | 67.8% | 60.0%+7.8pp | 69.0%-1.2pp | 69.8%-2.0pp |
| Annual return | -15.37% | -8.29%-7.1pp | -6.37%-9.0pp | 1.58%-16.9pp |
| Employer contribution / active EE | $0 | $1,776-100.0% | $2,656-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,635 | $2,946-10.6% | $3,942-33.2% | $4,238-37.8% |
| Admin fee / account holder | $114 | $578-80.3% | $4,936-97.7% | $594-80.8% |