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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 | $64,010+120.4% | $108,359+30.2% | $64,340+119.3% |
| Participation rate | 85.1% | 49.4%+35.8pp | 70.1%+15.0pp | 55.2%+29.9pp |
| Annual return | 15.86% | 19.74%-3.9pp | 36.89%-21.0pp | 24.14%-8.3pp |
| Employer contribution / active EE | $1,763 | $1,029+71.4% | $2,399-26.5% | $1,862-5.3% |
| Participant deferral / active EE | $3,332 | $2,395+39.1% | $4,137-19.5% | $2,980+11.8% |
| Admin fee / account holder | $526 | $4,885-89.2% | $9,741-94.6% | $3,703-85.8% |