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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $13,017 |
Filed as: PINNACLE PENSION CONSULTANTS LLC Service code 27 · EIN 81-0776852 | Advisory (Plan) | $11,400 |
O'CONNOR DAVIES, LLP1 year Filed as: O'CONNOR & DREW, PC Service code 10 · EIN 04-3000523 | Accounting | $9,000 |
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.)
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 | $52,942 | $49,138+7.7% | $84,023-37.0% | $65,186-18.8% |
| Participation rate | 53.6% | 60.7%-7.1pp | 69.0%-15.4pp | 70.2%-16.6pp |
| Annual return | 22.40% | 23.00%-0.6pp | 71.32%-48.9pp | 29.39%-7.0pp |
| Employer contribution / active EE | $240 | $914-73.8% | $1,984-87.9% | $2,177-89.0% |
| Participant deferral / active EE | $2,878 | $2,397+20.1% | $3,239-11.1% | $3,514-18.1% |
| Admin fee / account holder | $315 | $543-42.0% | $6,102-94.8% | $847-62.8% |