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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE1+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $25,800 |
Filed as: AMERIPRISE FINANCIAL SERVICES Service code 17 50082 AMERICPRISE FIANANCIAL CTR · MINNEAPOLIS, MN 554740000 | Pension Consulting | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $32,453 | $46,732-30.6% | $156,551-79.3% | $55,167-41.2% |
| Participation rate | 47.3% | 65.8%-18.5pp | 84.0%-36.7pp | 69.0%-21.7pp |
| Annual return | -1.83% | 17.72%-19.5pp | 32.23%-34.1pp | 169.23%-171.1pp |
| Employer contribution / active EE | $797 | $2,105-62.1% | $5,501-85.5% | $1,963-59.4% |
| Participant deferral / active EE | $997 | $2,204-54.8% | $4,871-79.5% | $3,054-67.4% |
| Admin fee / account holder | $358 | $418-14.4% | $13,028-97.2% | $504-28.9% |