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| Provider | Service type | Compensation |
|---|---|---|
AMERIPRISE FINANCIAL SERVICES INC10+ years Service code 55 · EIN 38-2722519 | Other Commissions | $32,108 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $738 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,586 | $45,031-38.7% | $85,009-67.5% | $77,671-64.5% |
| Participation rate | 47.1% | 48.7%-1.6pp | 67.5%-20.4pp | 70.6%-23.5pp |
| Annual return | 11.58% | 79.22%-67.6pp | 66.47%-54.9pp | 31.21%-19.6pp |
| Employer contribution / active EE | $538 | $1,609-66.5% | $2,728-80.3% | $2,726-80.3% |
| Participant deferral / active EE | $783 | $2,807-72.1% | $4,522-82.7% | $4,648-83.1% |
| Admin fee / account holder | $1 | $912-99.8% | $6,153-100.0% | $430-99.7% |