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| Provider | Service type | Compensation |
|---|---|---|
WINFIELD ASSOCIATES INC1 year Service code 27 · EIN 31-1566830 | Advisory (Plan) | $8,423 |
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $3,935 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $22,259 | $66,813-66.7% | $100,528-77.9% | $73,493-69.7% |
| Participation rate | 58.3% | 77.5%-19.2pp | 79.4%-21.1pp | 70.7%-12.4pp |
| Annual return | 24.51% | 25.70%-1.2pp | 30.90%-6.4pp | 28.51%-4.0pp |
| Employer contribution / active EE | $1,284 | $2,147-40.2% | $3,419-62.4% | $2,270-43.4% |
| Participant deferral / active EE | $3,092 | $5,883-47.4% | $6,271-50.7% | $3,740-17.3% |
| Admin fee / account holder | $138 | $512-73.1% | $8,084-98.3% | $513-73.1% |