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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,157 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,248 | $50,956-17.1% | $96,575-56.3% | $86,813-51.3% |
| Participation rate | 44.6% | 65.2%-20.7pp | 69.8%-25.3pp | 72.3%-27.7pp |
| Annual return | 13.76% | 21.27%-7.5pp | 37.79%-24.0pp | 97.93%-84.2pp |
| Employer contribution / active EE | $454 | $1,111-59.2% | $2,357-80.8% | $2,406-81.2% |
| Participant deferral / active EE | $1,270 | $2,954-57.0% | $3,849-67.0% | $4,131-69.3% |
| Admin fee / account holder | $316 | $166+90.2% | $6,182-94.9% | $170+86.3% |