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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $808 |
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.)
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,823 | $79,181-44.7% | $102,423-57.2% | $74,429-41.1% |
| Participation rate | 63.0% | 74.8%-11.8pp | 76.5%-13.5pp | 67.2%-4.2pp |
| Annual return | 9.56% | 54.97%-45.4pp | 29.42%-19.9pp | 1368.38%-1358.8pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $3,128 | $4,416-29.2% | $5,054-38.1% | $4,348-28.1% |
| Admin fee / account holder | $358 | $2,002-82.1% | $9,455-96.2% | $1,944-81.6% |