Filed February 11, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $43,022 |
CARON & BLETZER, PLLC6 years Filed as: CARON & BLETZER PLLC Service code 10 · EIN 04-3499945 | Accounting | $14,800 |
Service code 49 · EIN 74-2794194 | Other Services | $8,213 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $90,591 | $50,919+77.9% | $155,556-41.8% | $77,762+16.5% |
| Participation rate | 30.8% | 63.1%-32.3pp | 78.2%-47.4pp | 70.6%-39.8pp |
| Annual return | 11.51% | 34.84%-23.3pp | 64.84%-53.3pp | 31.27%-19.8pp |
| Employer contribution / active EE | $245 | $1,991-87.7% | $4,675-94.8% | $2,728-91.0% |
| Participant deferral / active EE | $2,209 | $2,824-21.8% | $5,631-60.8% | $4,651-52.5% |
| Admin fee / account holder | $463 | $437+5.9% | $15,885-97.1% | $433+6.9% |