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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $15,535 |
Filed as: RESOURCES INVESTMENT ADVISORS INC Service code 27 · EIN 43-1451524 | Advisory (Plan) | $7,585 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $47,051 | $42,548+10.6% | $74,551-36.9% | $56,289-16.4% |
| Participation rate | 24.8% | 60.5%-35.7pp | 69.1%-44.4pp | 69.9%-45.1pp |
| Annual return | -5.90% | 12.40%-18.3pp | 32.53%-38.4pp | -9.96%+4.1pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,881 | $2,277-17.4% | $3,108-39.5% | $3,350-43.8% |
| Admin fee / account holder | $370 | $467-20.8% | $5,059-92.7% | $521-29.0% |