Filed April 21, 2025
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| Provider | Service type | Compensation |
|---|---|---|
BENEFIT TRUST COMPANY1 year Service code 18 · EIN 43-1971558 | Custodial (securities); Custodial (ot... | $5,677 |
Employer contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,792 | $112,750-62.0% | $103,431-58.6% | $74,400-42.5% |
| Participation rate | 93.9% | 80.9%+13.0pp | 80.5%+13.3pp | 67.2%+26.7pp |
| Annual return | 44.69% | 23.22%+21.5pp | 23.92%+20.8pp | 1367.51%-1322.8pp |
| Employer contribution / active EE | $0 | $4,880-100.0% | $4,678-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $15,360 | $7,289+110.7% | $6,625+131.9% | $4,348+253.2% |
| Admin fee / account holder | $29 | $1,702-98.3% | $9,412-99.7% | $1,944-98.5% |