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| Provider | Service type | Compensation |
|---|---|---|
ERISA SERVICES, INC.3 years Service code 15 · EIN 62-1200951 | Recordkeeping | $17,719 |
Service code 15 · EIN 36-6071399 | Recordkeeping | $12,441 |
VISIONARY HORIZONS LLC3 years Service code 27 · EIN 26-3061344 | Advisory (Plan) | $5,039 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,322 | $52,188-89.8% | $86,656-93.9% | $74,473-92.9% |
| Participation rate | 64.8% | 66.3%-1.5pp | 71.7%-6.9pp | 70.7%-5.9pp |
| Annual return | 19.02% | 44.46%-25.4pp | 593.09%-574.1pp | 34.36%-15.3pp |
| Employer contribution / active EE | $164 | $2,282-92.8% | $3,025-94.6% | $2,638-93.8% |
| Participant deferral / active EE | $1,600 | $3,383-52.7% | $4,439-63.9% | $4,530-64.7% |
| Admin fee / account holder | $114 | $319-64.1% | $5,619-98.0% | $347-67.0% |