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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $33,139 |
Filed as: INVESTMENT ADVISOR Service code 27 · EIN 41-1416330 | Advisory (Plan) | $17,657 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,243 | $58,292-20.7% | $86,640-46.6% | $71,511-35.3% |
| Participation rate | 58.1% | 65.0%-6.9pp | 71.7%-13.6pp | 67.9%-9.8pp |
| Annual return | 15.80% | 21.63%-5.8pp | 592.52%-576.7pp | 28.86%-13.1pp |
| Employer contribution / active EE | $0 | $2,574-100.0% | $3,024-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,341 | $3,438-2.8% | $4,438-24.7% | $4,291-22.1% |
| Admin fee / account holder | $241 | $1,057-77.2% | $5,616-95.7% | $1,588-84.8% |