Filed May 20, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $19,314 |
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $11,074 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,500 | $46,332-88.1% | $143,799-96.2% | $64,819-91.5% |
| Participation rate | 51.4% | 64.2%-12.8pp | 80.3%-28.9pp | 71.5%-20.1pp |
| Annual return | -13.57% | -10.05%-3.5pp | -0.04%-13.5pp | 32.84%-46.4pp |
| Employer contribution / active EE | $428 | $1,911-77.6% | $4,952-91.4% | $2,507-82.9% |
| Participant deferral / active EE | $786 | $2,647-70.3% | $5,638-86.1% | $4,311-81.8% |
| Admin fee / account holder | $46 | $154-69.8% | $14,677-99.7% | $188-75.2% |