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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.4+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $29,973 |
CAMBRIDGE INVESTMENT RESEARCH4+ years Filed as: CAMBRIDGE INVESTMENT RESEARCH. Service code 27 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556 | Advisory (Plan) | $20,254 |
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.
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 | $23,395 | $64,612-63.8% | $86,451-72.9% | $64,824-63.9% |
| Participation rate | 31.2% | 81.5%-50.3pp | 80.3%-49.2pp | 71.5%-40.3pp |
| Annual return | -16.22% | 0.66%-16.9pp | 4398.51%-4414.7pp | 32.84%-49.1pp |
| Employer contribution / active EE | $1,046 | $2,744-61.9% | $3,770-72.2% | $2,507-58.3% |
| Participant deferral / active EE | $2,313 | $7,497-69.1% | $6,953-66.7% | $4,311-46.3% |
| Admin fee / account holder | $128 | $169-24.6% | $6,734-98.1% | $188-32.1% |