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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JCCS, P.C Service code 10 · EIN 81-0348775 | Accounting | $12,000 |
MORNINGSTAR2+ years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 51 22 WEST WASHINGTON STREET · CHICAGO, IL 60602 | Investment Mgmt Fees | $5,531 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $72,071 | $54,213+32.9% | $93,696-23.1% | $77,736-7.3% |
| Participation rate | 50.4% | 64.0%-13.6pp | 68.7%-18.3pp | 70.6%-20.2pp |
| Annual return | 11.22% | 30.55%-19.3pp | 133.74%-122.5pp | 31.26%-20.0pp |
| Employer contribution / active EE | $1,038 | $1,168-11.2% | $2,422-57.1% | $2,728-61.9% |
| Participant deferral / active EE | $3,816 | $3,145+21.3% | $4,417-13.6% | $4,651-18.0% |
| Admin fee / account holder | $99 | $575-82.8% | $8,287-98.8% | $433-77.2% |