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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALDRICH CPAS ADVISORS LLP Service code 10 · EIN 93-0623286 | Accounting | $19,931 |
Filed as: MASSMUTUAL LIFE INSURANCE CO. Service code 15 · EIN 04-1590850 | Recordkeeping | $1,595 |
MORNINGSTAR2 years Filed as: MORNINGSTAR ASSOCIATES, LLC Service code 49 · EIN 36-4317381 | Other Services | $21 |
Filed as: MESIROW FINANCIAL INVESTMENT MGMT. Service code 49 · EIN 36-3429599 | Other Services | $20 |
Service code 27 · EIN 61-1732930 | Advisory (Plan) | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,476 | $52,639-38.3% | $185,117-82.5% | $62,293-47.9% |
| Participation rate | 60.8% | 63.9%-3.1pp | 77.3%-16.5pp | 69.5%-8.7pp |
| Annual return | 16.16% | 19.57%-3.4pp | 40.50%-24.3pp | 28.90%-12.7pp |
| Employer contribution / active EE | $1,241 | $1,483-16.3% | $4,182-70.3% | $2,042-39.3% |
| Participant deferral / active EE | $2,006 | $3,097-35.2% | $5,045-60.2% | $3,169-36.7% |
| Admin fee / account holder | $66 | $374-82.4% | $8,159-99.2% | $479-86.3% |