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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 85-0467977 | Advisory (Participants) | $37,807 |
ALLIANCE BENEFIT GROUP1 year Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST, L Service code 14 · EIN 38-3944313 | Plan Administrator | $7,172 |
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.)
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $38,599 | $42,548-9.3% | $74,549-48.2% | $56,287-31.4% |
| Participation rate | 44.8% | 60.5%-15.6pp | 69.1%-24.3pp | 69.9%-25.0pp |
| Annual return | -7.83% | 12.40%-20.2pp | 32.53%-40.4pp | -9.96%+2.1pp |
| Employer contribution / active EE | $484 | $855-43.3% | $1,961-75.3% | $2,111-77.1% |
| Participant deferral / active EE | $1,872 | $2,277-17.8% | $3,108-39.8% | $3,350-44.1% |
| Admin fee / account holder | $367 | $467-21.5% | $5,059-92.8% | $521-29.6% |