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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP5+ years Filed as: AMERITAS LIFE INSURANCE COMPANY Service code 15 · EIN 47-0098400 | Recordkeeping | $5,475 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $13,462 | $47,922-71.9% | $75,894-82.3% | $65,185-79.3% |
| Participation rate | 37.2% | 63.0%-25.8pp | 69.3%-32.1pp | 70.2%-33.0pp |
| Annual return | 18.54% | 24.12%-5.6pp | 30.76%-12.2pp | 29.38%-10.8pp |
| Employer contribution / active EE | $455 | $1,557-70.8% | $2,501-81.8% | $2,177-79.1% |
| Participant deferral / active EE | $1,154 | $2,550-54.7% | $3,603-68.0% | $3,514-67.1% |
| Admin fee / account holder | $36 | $532-93.2% | $5,420-99.3% | $847-95.7% |