Filed May 20, 2025
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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $3,581 |
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,042 | $56,540-85.8% | $185,849-95.7% | $86,821-90.7% |
| Participation rate | 41.7% | 65.5%-23.8pp | 81.7%-40.0pp | 72.3%-30.6pp |
| Annual return | 27.54% | 118.20%-90.7pp | 122.10%-94.6pp | 97.94%-70.4pp |
| Employer contribution / active EE | $401 | $1,844-78.2% | $5,169-92.2% | $2,406-83.3% |
| Participant deferral / active EE | $598 | $2,555-76.6% | $5,569-89.3% | $4,132-85.5% |
| Admin fee / account holder | $5 | $150-96.5% | $16,244-100.0% | $170-96.9% |