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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 47-1566880 | Advisory (Participants) | $21,510 |
BILODEAU WELLS & CO., P.C.10+ years Service code 10 · EIN 03-0293317 | Accounting | $10,300 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 | Contract Administrator | $7,619 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,845 | $81,504-27.8% | $102,437-42.6% | $80,959-27.3% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.72% | 25.60%-13.9pp | 24.95%-13.2pp | 35.67%-24.0pp |
| Employer contribution / active EE | $4,877 | $3,104+57.1% | $3,871+26.0% | $2,757+76.9% |
| Participant deferral / active EE | $6,377 | $3,871+64.7% | $5,060+26.0% | $4,300+48.3% |
| Admin fee / account holder | $347 | $6,719-94.8% | $8,388-95.9% | $6,925-95.0% |