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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2+ years Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $4,294 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $29,745 | $42,546-30.1% | $71,796-58.6% | $55,167-46.1% |
| Participation rate | 38.0% | 59.1%-21.1pp | 69.1%-31.1pp | 69.0%-31.0pp |
| Annual return | 5.00% | 12.36%-7.4pp | 78.04%-73.0pp | 169.23%-164.2pp |
| Employer contribution / active EE | $299 | $803-62.8% | $1,924-84.5% | $1,963-84.8% |
| Participant deferral / active EE | $1,508 | $2,064-27.0% | $2,794-46.0% | $3,054-50.6% |
| Admin fee / account holder | $29 | $650-95.6% | $4,815-99.4% | $504-94.3% |