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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES1 year Service code 12 · EIN 43-0345811 | Sub-transfer agency fees; Recordkeepi... | $5,251 |
Service code 12 · EIN 48-1205033 | Claims processing; Recordkeeping fees... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,602 | $64,909-35.9% | $82,312-49.5% | $62,293-33.2% |
| Participation rate | 60.8% | 74.9%-14.1pp | 76.9%-16.1pp | 69.5%-8.7pp |
| Annual return | 22.43% | 21.18%+1.3pp | 25.88%-3.4pp | 28.90%-6.5pp |
| Employer contribution / active EE | $1 | $1,676-100.0% | $2,428-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,066 | $3,103-33.4% | $3,706-44.3% | $3,169-34.8% |
| Admin fee / account holder | $81 | $440-81.5% | $5,608-98.5% | $479-83.0% |