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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.2 years Service code 15 · EIN 23-1945930 | Recordkeeping | $841 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $35,016 | $91,424-61.7% | $135,942-74.2% | $71,495-51.0% |
| Participation rate | 52.5% | 75.7%-23.1pp | 81.9%-29.4pp | 67.9%-15.4pp |
| Annual return | 53.14% | 29.90%+23.2pp | 68.28%-15.1pp | 28.85%+24.3pp |
| Employer contribution / active EE | $0 | $3,704-100.0% | $4,858-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $8,013 | $7,092+13.0% | $7,759+3.3% | $4,291+86.8% |
| Admin fee / account holder | $5 | $1,266-99.6% | $10,764-99.9% | $1,588-99.7% |