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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $262 |
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.
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 | $43,934 | $50,666-13.3% | $76,657-42.7% | $65,185-32.6% |
| Participation rate | 36.2% | 68.8%-32.6pp | 72.1%-35.9pp | 70.2%-34.0pp |
| Annual return | 21.80% | 28.51%-6.7pp | 1166.74%-1144.9pp | 29.38%-7.6pp |
| Employer contribution / active EE | $183 | $1,575-88.4% | $2,303-92.1% | $2,177-91.6% |
| Participant deferral / active EE | $2,354 | $2,647-11.0% | $3,335-29.4% | $3,514-33.0% |
| Admin fee / account holder | $14 | $463-97.0% | $6,423-99.8% | $847-98.4% |