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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.9 years Service code 15 · EIN 23-1945930 | Recordkeeping | $23,729 |
Filed as: PHILLIPS & COMPANY ADVISORS Service code 27 521 SW 11TH AVE · PORTLAND, OR 97205 | Advisory (Plan) | $20,204 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $51,753 | $66,486-22.2% | $81,370-36.4% | $77,762-33.4% |
| Participation rate | 15.0% | 68.7%-53.7pp | 69.5%-54.6pp | 70.6%-55.6pp |
| Annual return | 18.50% | 15.95%+2.5pp | 24.85%-6.3pp | 31.27%-12.8pp |
| Employer contribution / active EE | $324 | $2,158-85.0% | $2,464-86.8% | $2,728-88.1% |
| Participant deferral / active EE | $784 | $3,677-78.7% | $3,885-79.8% | $4,651-83.1% |
| Admin fee / account holder | $385 | $586-34.2% | $5,749-93.3% | $433-11.0% |