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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Filed as: THE VANGUARD GROUP Service code 15 · EIN 23-1948930 | Recordkeeping | $10,919 |
Service code 20 · EIN 11-3582486 | Trustee (individual) | $795 |
LPL FINANCIAL1 year Filed as: KMS FINANCIAL SERVICES Service code 20 · EIN 91-0850651 | Trustee (individual) | $693 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,979 | $86,294-42.1% | $111,303-55.1% | $85,856-41.8% |
| Participation rate | 61.5% | 73.3%-11.9pp | 77.3%-15.9pp | 69.3%-7.9pp |
| Annual return | 13.65% | 19.99%-6.3pp | 54.66%-41.0pp | 318.58%-304.9pp |
| Employer contribution / active EE | $1,390 | $2,043-32.0% | $2,731-49.1% | $2,565-45.8% |
| Participant deferral / active EE | $3,135 | $3,641-13.9% | $4,487-30.1% | $3,952-20.7% |
| Admin fee / account holder | $228 | $8,189-97.2% | $7,966-97.1% | $6,261-96.4% |