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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $17,021 |
Filed as: RESOURCES INVESTMENT ADVISORS INC Service code 27 · EIN 43-1451524 | Advisory (Plan) | $8,125 |
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).
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 | $63,609 | $49,138+29.4% | $84,023-24.3% | $65,186-2.4% |
| Participation rate | 26.7% | 60.7%-34.0pp | 69.0%-42.3pp | 70.2%-43.5pp |
| Annual return | 19.73% | 23.00%-3.3pp | 71.32%-51.6pp | 29.39%-9.7pp |
| Employer contribution / active EE | $6 | $914-99.3% | $1,984-99.7% | $2,177-99.7% |
| Participant deferral / active EE | $1,958 | $2,397-18.3% | $3,239-39.5% | $3,514-44.3% |
| Admin fee / account holder | $460 | $543-15.3% | $6,102-92.5% | $847-45.7% |