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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $19,841 |
Filed as: PINNACLE PENSION CONSULTANTS LLC Service code 27 · EIN 81-0776852 | Advisory (Plan) | $11,400 |
O'CONNOR DAVIES, LLP3 years Filed as: O'CONNOR & DREW, PC Service code 10 · EIN 04-3000523 | Accounting | $8,750 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,558 | $59,267+12.3% | $96,575-31.1% | $79,393-16.2% |
| Participation rate | 61.5% | 61.9%-0.3pp | 69.8%-8.3pp | 70.7%-9.2pp |
| Annual return | 10.54% | 27.08%-16.5pp | 37.79%-27.2pp | 116.87%-106.3pp |
| Employer contribution / active EE | $512 | $1,216-57.9% | $2,357-78.3% | $2,428-78.9% |
| Participant deferral / active EE | $4,628 | $2,947+57.0% | $3,849+20.2% | $4,046+14.4% |
| Admin fee / account holder | $345 | $659-47.7% | $6,182-94.4% | $627-45.0% |