Filed May 15, 2013
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS4 years Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 20-5916766 | Recordkeeping | $31,533 |
CLEARPOINT CAPITAL5 years Service code 27 23 WATER ST · BANGOR, ME 04401 | Advisory (Plan) | $28,108 |
Filed as: FIDELITY PERSONAL TRUST COMPANY Service code 19 2 CONTRA WAY · MERRIMACK, NH 03054 | Securities Custodian | $5,888 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,056 | $55,470+6.5% | $155,556-62.0% | $74,478-20.7% |
| Participation rate | 26.2% | 61.9%-35.7pp | 78.2%-52.0pp | 67.2%-41.0pp |
| Annual return | 10.43% | 269.80%-259.4pp | 64.84%-54.4pp | 1370.56%-1360.1pp |
| Employer contribution / active EE | $732 | $2,267-67.7% | $4,675-84.3% | $2,626-72.1% |
| Participant deferral / active EE | $1,961 | $2,838-30.9% | $5,631-65.2% | $4,350-54.9% |
| Admin fee / account holder | $318 | $1,744-81.8% | $15,885-98.0% | $1,946-83.7% |