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| Provider | Service type | Compensation |
|---|---|---|
FIRST HAWAIIAN BANK1+ years Service code 64 · EIN 99-0034327 | Recordkeeping Fees | $1,019 |
Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
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 | $43,624 | $39,245+11.2% | $64,105-31.9% | $52,331-16.6% |
| Participation rate | 23.0% | 58.2%-35.2pp | 68.2%-45.2pp | 68.1%-45.1pp |
| Annual return | 0.32% | 14.79%-14.5pp | 791.24%-790.9pp | 4.54%-4.2pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,135 | $1,992-43.0% | $2,822-59.8% | $3,022-62.4% |
| Admin fee / account holder | $12 | $592-98.0% | $4,499-99.7% | $592-97.9% |