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| Provider | Service type | Compensation |
|---|---|---|
SOLTIS INVESTMENT ADVISORS5+ years Service code 27 · EIN 87-0526413 | Advisory (Plan) | $18,476 |
ALLIANCE BENEFIT GROUP5+ years Filed as: ALLIANCE BENEFIT GROUP ROCKY MTN Service code 15 · EIN 87-0364490 | Recordkeeping | $6,998 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,171 | $73,638-35.9% | $95,964-50.8% | $73,497-35.8% |
| Participation rate | 54.4% | 76.2%-21.8pp | 77.1%-22.7pp | 70.7%-16.3pp |
| Annual return | 9.75% | 16.78%-7.0pp | 91.64%-81.9pp | 28.51%-18.8pp |
| Employer contribution / active EE | $266 | $1,863-85.7% | $2,541-89.5% | $2,270-88.3% |
| Participant deferral / active EE | $1,776 | $3,617-50.9% | $4,167-57.4% | $3,740-52.5% |
| Admin fee / account holder | $360 | $482-25.4% | $6,797-94.7% | $513-29.9% |