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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $19,453 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $64,695 | $56,894+13.7% | $84,753-23.7% | $62,881+2.9% |
| Participation rate | 22.3% | 68.5%-46.2pp | 76.6%-54.3pp | 69.3%-47.0pp |
| Annual return | 6.04% | 6.30%-0.3pp | 22.78%-16.7pp | 20.14%-14.1pp |
| Employer contribution / active EE | $260 | $2,400-89.2% | $3,574-92.7% | $2,281-88.6% |
| Participant deferral / active EE | $1,747 | $2,709-35.5% | $3,712-52.9% | $3,203-45.4% |
| Admin fee / account holder | $5 | $3,581-99.9% | $5,333-99.9% | $4,296-99.9% |