Filed May 20, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $33,745 |
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $5,061 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,545 | $47,163-81.9% | $149,696-94.3% | $74,460-88.5% |
| Participation rate | 37.3% | 63.4%-26.1pp | 78.8%-41.5pp | 70.7%-33.5pp |
| Annual return | 8.31% | 22.75%-14.4pp | 134.46%-126.1pp | 34.38%-26.1pp |
| Employer contribution / active EE | $436 | $1,907-77.1% | $4,821-91.0% | $2,638-83.5% |
| Participant deferral / active EE | $750 | $2,730-72.5% | $5,682-86.8% | $4,530-83.5% |
| Admin fee / account holder | $342 | $343-0.3% | $13,212-97.4% | $348-1.7% |