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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE5+ years Service code 19 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Securities Custodian | $44,256 |
RPS PLAN ADMINISTRATORS5+ years Service code 13 · EIN 84-1096179 PO BOX 3789 · LITTLETON, CO 80161 | Contract Administrator | $15,620 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,360 | $47,922-34.6% | $75,901-58.7% | $65,185-51.9% |
| Participation rate | 62.8% | 63.0%-0.1pp | 69.3%-6.4pp | 70.2%-7.4pp |
| Annual return | 21.49% | 24.12%-2.6pp | 30.76%-9.3pp | 29.38%-7.9pp |
| Employer contribution / active EE | $1,175 | $1,557-24.5% | $2,501-53.0% | $2,177-46.0% |
| Participant deferral / active EE | $3,124 | $2,550+22.5% | $3,603-13.3% | $3,514-11.1% |
| Admin fee / account holder | $425 | $532-20.1% | $5,420-92.2% | $847-49.9% |