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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $18,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $15,400 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,188 | $59,813-22.8% | $79,580-42.0% | $68,486-32.6% |
| Participation rate | 80.2% | 61.1%+19.2pp | 69.5%+10.7pp | 67.9%+12.3pp |
| Annual return | -14.56% | -12.30%-2.3pp | 0.15%-14.7pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,121 | $1,505-25.5% | $2,413-53.5% | $2,597-56.8% |
| Participant deferral / active EE | $3,883 | $3,024+28.4% | $3,985-2.6% | $4,028-3.6% |
| Admin fee / account holder | $327 | $4,835-93.2% | $6,835-95.2% | $5,404-93.9% |