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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $6,751 |
NOVA 401(K) ASSOCIATES1 year Service code 15 · EIN 20-1181458 | Recordkeeping | $375 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $133 |
THE BANK OF NEW YORK MELLON3 years Filed as: BANK OF THE WEST Service code 51 2555 E CAMELBACK ROAD · PHOENIX, AZ 85016 | Investment Mgmt Fees | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $15,523 | $65,322-76.2% | $70,476-78.0% | $73,493-78.9% |
| Participation rate | 37.2% | 77.0%-39.7pp | 75.1%-37.8pp | 70.7%-33.4pp |
| Annual return | 36.73% | 15.71%+21.0pp | 109.12%-72.4pp | 28.51%+8.2pp |
| Employer contribution / active EE | $0 | $2,460-100.0% | $2,738-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $93 | $3,375-97.2% | $3,710-97.5% | $3,740-97.5% |
| Admin fee / account holder | $147 | $214-31.2% | $3,847-96.2% | $513-71.3% |