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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $19,850 |
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.)
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 | $41,168 | $69,977-41.2% | $108,582-62.1% | $62,881-34.5% |
| Participation rate | 46.2% | 72.9%-26.7pp | 79.6%-33.4pp | 69.3%-23.2pp |
| Annual return | 36.60% | 10.73%+25.9pp | -51.70%+88.3pp | 20.14%+16.5pp |
| Employer contribution / active EE | $170 | $2,135-92.0% | $3,758-95.5% | $2,281-92.6% |
| Participant deferral / active EE | $3,951 | $3,165+24.8% | $4,311-8.4% | $3,203+23.3% |
| Admin fee / account holder | $375 | $5,076-92.6% | $7,645-95.1% | $4,296-91.3% |