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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 74-2465849 | Advisory (Participants) | $6,028 |
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.)
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).
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 | $48,656 | $80,753-39.7% | $136,298-64.3% | $62,293-21.9% |
| Participation rate | 50.6% | 73.5%-23.0pp | 81.9%-31.4pp | 69.5%-19.0pp |
| Annual return | 13.48% | 35.83%-22.4pp | 5156.27%-5142.8pp | 28.90%-15.4pp |
| Employer contribution / active EE | $594 | $2,884-79.4% | $4,696-87.3% | $2,042-70.9% |
| Participant deferral / active EE | $2,321 | $5,164-55.0% | $6,247-62.8% | $3,169-26.8% |
| Admin fee / account holder | $311 | $525-40.8% | $9,244-96.6% | $479-35.1% |