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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC6 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $36,882 |
Service code 37 · EIN 04-2647786 | Loan Processing | $25,745 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $141,081 | $65,246+116.2% | $98,716+42.9% | $67,986+107.5% |
| Participation rate | 85.1% | 51.4%+33.7pp | 69.3%+15.9pp | 57.2%+27.9pp |
| Annual return | 15.86% | 20.58%-4.7pp | 31.81%-15.9pp | 31.67%-15.8pp |
| Employer contribution / active EE | $1,763 | $1,042+69.2% | $2,279-22.6% | $2,019-12.6% |
| Participant deferral / active EE | $3,332 | $2,594+28.4% | $4,048-17.7% | $3,358-0.8% |
| Admin fee / account holder | $526 | $4,561-88.5% | $8,703-94.0% | $3,203-83.6% |