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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $750 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $22,989 | $89,652-74.4% | $141,191-83.7% | $65,185-64.7% |
| Participation rate | 48.7% | 74.7%-26.0pp | 82.5%-33.8pp | 70.2%-21.5pp |
| Annual return | 39.93% | 32.79%+7.1pp | 71.41%-31.5pp | 29.38%+10.5pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $6,172 | $5,691+8.5% | $6,710-8.0% | $3,514+75.7% |
| Admin fee / account holder | $6 | $569-99.0% | $10,264-99.9% | $847-99.3% |