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| Provider | Service type | Compensation |
|---|---|---|
BESEMANN VALENTINE, LLP1 year Filed as: BESEMANN VALENTINE LLP Service code 10 · EIN 45-2635340 | Accounting | $12,500 |
Service code 37 · EIN 04-2647786 | Loan Processing | $8,823 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $71,823 | $51,466+39.6% | $78,778-8.8% | $62,293+15.3% |
| Participation rate | 21.1% | 59.8%-38.7pp | 69.2%-48.1pp | 69.5%-48.4pp |
| Annual return | 20.09% | 19.96%+0.1pp | 35.62%-15.5pp | 28.90%-8.8pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,079 | $2,147-3.2% | $2,958-29.7% | $3,169-34.4% |
| Admin fee / account holder | $333 | $489-31.9% | $5,134-93.5% | $479-30.5% |