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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 | $45,022-38.7% | $85,126-67.6% | $77,714-64.5% |
| Participation rate | 47.1% | 48.7%-1.6pp | 67.5%-20.4pp | 70.6%-23.5pp |
| Annual return | 11.58% | 79.38%-67.8pp | 66.63%-55.1pp | 31.26%-19.7pp |
| Employer contribution / active EE | $538 | $1,610-66.6% | $2,731-80.3% | $2,727-80.3% |
| Participant deferral / active EE | $783 | $2,811-72.1% | $4,523-82.7% | $4,649-83.1% |
| Admin fee / account holder | $1 | $913-99.8% | $6,160-100.0% | $433-99.7% |