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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $18,961 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,127 | $82,274-41.5% | $152,466-68.4% | $79,393-39.4% |
| Participation rate | 42.2% | 76.4%-34.2pp | 78.2%-36.0pp | 70.7%-28.5pp |
| Annual return | 21.43% | 7959.84%-7938.4pp | 757.33%-735.9pp | 116.87%-95.4pp |
| Employer contribution / active EE | $1,729 | $3,613-52.1% | $4,327-60.0% | $2,428-28.8% |
| Participant deferral / active EE | $3,404 | $4,969-31.5% | $5,820-41.5% | $4,046-15.9% |
| Admin fee / account holder | $304 | $632-52.0% | $15,805-98.1% | $627-51.5% |