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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 | $45,123-64.9% | $85,240-81.4% | $74,478-78.7% |
| Participation rate | 88.0% | 49.4%+38.6pp | 67.5%+20.5pp | 67.2%+20.8pp |
| Annual return | 19.36% | 26.32%-7.0pp | 66.75%-47.4pp | 1370.56%-1351.2pp |
| Employer contribution / active EE | $2,324 | $1,459+59.3% | $2,735-15.0% | $2,626-11.5% |
| Participant deferral / active EE | $3,788 | $2,736+38.4% | $4,527-16.3% | $4,350-12.9% |
| Admin fee / account holder | $132 | $2,215-94.0% | $6,165-97.9% | $1,946-93.2% |