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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 47-1566880 | Advisory (Participants) | $22,168 |
BILODEAU WELLS & CO., P.C.8+ years Service code 10 · EIN 03-0293317 | Accounting | $10,300 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 | Contract Administrator | $8,225 |
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 | $48,322 | $64,719-25.3% | $112,249-57.0% | $68,486-29.4% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -14.64% | -11.40%-3.2pp | 27.48%-42.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $2,426 | $2,747-11.7% | $3,636-33.3% | $2,597-6.6% |
| Participant deferral / active EE | $3,330 | $3,565-6.6% | $4,729-29.6% | $4,028-17.3% |
| Admin fee / account holder | $303 | $5,232-94.2% | $6,412-95.3% | $5,404-94.4% |