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| Provider | Service type | Compensation |
|---|---|---|
EXCEL WEALTH MANAGEMENT, LLC2 years Service code 26 · EIN 81-2780637 935 MAIN ST. · MANCHESTER, CT 06040 | Advisory (Participants) | $12,956 |
401K GENERATION2 years Service code 13 · EIN 26-4477125 195 INTERNATIONAL PARKWAY · LAKE MARY, FL 32746 | Contract Administrator | $9,527 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,861 | $44,984-64.7% | $85,009-81.3% | $74,546-78.7% |
| Participation rate | 88.0% | 49.4%+38.6pp | 67.5%+20.5pp | 67.2%+20.8pp |
| Annual return | 19.36% | 26.25%-6.9pp | 66.47%-47.1pp | 1366.03%-1346.7pp |
| Employer contribution / active EE | $2,324 | $1,458+59.4% | $2,728-14.8% | $2,624-11.4% |
| Participant deferral / active EE | $3,788 | $2,733+38.6% | $4,522-16.2% | $4,347-12.9% |
| Admin fee / account holder | $132 | $2,208-94.0% | $6,153-97.9% | $1,944-93.2% |