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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,551 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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).
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 | $37,704 | $64,286-41.3% | $90,970-58.6% | $73,412-48.6% |
| Participation rate | 35.8% | 63.6%-27.8pp | 69.0%-33.2pp | 72.2%-36.3pp |
| Annual return | 13.58% | 21.46%-7.9pp | 134.60%-121.0pp | 59.30%-45.7pp |
| Employer contribution / active EE | $354 | $895-60.5% | $2,122-83.3% | $2,234-84.2% |
| Participant deferral / active EE | $930 | $2,453-62.1% | $3,373-72.4% | $3,806-75.6% |
| Admin fee / account holder | $283 | $287-1.4% | $5,961-95.3% | $158+79.3% |