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| Provider | Service type | Compensation |
|---|---|---|
Filed as: REDW WEALTH LLC Service code 26 · EIN 85-0467977 | Advisory (Participants) | $32,062 |
ALLIANCE BENEFIT GROUP2 years Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST, L Service code 14 · EIN 38-3944313 | Plan Administrator | $10,747 |
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).
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 | $41,155 | $49,138-16.2% | $84,021-51.0% | $65,185-36.9% |
| Participation rate | 46.4% | 60.7%-14.3pp | 69.0%-22.6pp | 70.2%-23.8pp |
| Annual return | 17.74% | 23.00%-5.3pp | 71.32%-53.6pp | 29.38%-11.6pp |
| Employer contribution / active EE | $502 | $914-45.1% | $1,984-74.7% | $2,177-77.0% |
| Participant deferral / active EE | $2,524 | $2,397+5.3% | $3,239-22.1% | $3,514-28.2% |
| Admin fee / account holder | $327 | $543-39.9% | $6,102-94.6% | $847-61.4% |