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| Provider | Service type | Compensation |
|---|---|---|
CMC ADVISORS, INC.1 year Service code 27 · EIN 13-4187117 | Advisory (Plan) | $5,805 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $15,761 | $44,714-64.8% | $91,225-82.7% | $66,938-76.5% |
| Participation rate | 55.1% | 65.0%-9.9pp | 73.2%-18.1pp | 69.8%-14.7pp |
| Annual return | -19.60% | -12.25%-7.3pp | 114.12%-133.7pp | 1.58%-21.2pp |
| Employer contribution / active EE | $626 | $1,710-63.4% | $2,851-78.1% | $2,545-75.4% |
| Participant deferral / active EE | $2,266 | $3,355-32.5% | $4,233-46.5% | $4,238-46.5% |
| Admin fee / account holder | $81 | $521-84.5% | $5,422-98.5% | $594-86.4% |