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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $19,347 |
THE BANK OF NEW YORK MELLON3 years Filed as: BANK OF AMERICA NA Service code 16 · EIN 13-5674085 | Consulting | $15,309 |
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 | $26,124 | $27,243-4.1% | $52,425-50.2% | $79,634-67.2% |
| Participation rate | 23.8% | 22.4%+1.4pp | 55.6%-31.8pp | 62.5%-38.6pp |
| Annual return | 17.18% | 63.36%-46.2pp | 302.12%-284.9pp | 36.46%-19.3pp |
| Employer contribution / active EE | $549 | $319+72.2% | $914-39.9% | $2,529-78.3% |
| Participant deferral / active EE | $964 | $636+51.7% | $1,790-46.2% | $3,835-74.9% |
| Admin fee / account holder | $198 | $2,105-90.6% | $2,495-92.1% | $1,002-80.2% |