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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 711 HIGH STREET · DES MOINES, IA 503920001 | Contract Administrator | $40,750 |
Filed as: AMERIPRISE FINANCIAL SVCS INC - 205 Service code 49 · EIN 41-0973005 | Other Services | $16,250 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $60,200 | $52,967+13.7% | $172,753-65.2% | $65,186-7.6% |
| Participation rate | 49.0% | 66.2%-17.2pp | 82.6%-33.6pp | 70.2%-21.2pp |
| Annual return | 22.57% | 30.12%-7.6pp | 803.00%-780.4pp | 29.39%-6.8pp |
| Employer contribution / active EE | $1,234 | $2,190-43.7% | $5,144-76.0% | $2,177-43.3% |
| Participant deferral / active EE | $2,231 | $2,471-9.7% | $5,198-57.1% | $3,514-36.5% |
| Admin fee / account holder | $429 | $472-9.1% | $13,956-96.9% | $847-49.4% |