Filed February 11, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $36,824 |
CARON & BLETZER, PLLC7 years Service code 10 · EIN 04-3499945 | Accounting | $12,854 |
Service code 49 · EIN 74-2794194 | Other Services | $6,449 |
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.)
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 | $81,107 | $47,163+72.0% | $149,696-45.8% | $74,460+8.9% |
| Participation rate | 39.5% | 63.4%-24.0pp | 78.8%-39.3pp | 70.7%-31.3pp |
| Annual return | 18.82% | 22.75%-3.9pp | 134.46%-115.6pp | 34.38%-15.6pp |
| Employer contribution / active EE | $311 | $1,907-83.7% | $4,821-93.5% | $2,638-88.2% |
| Participant deferral / active EE | $2,929 | $2,730+7.3% | $5,682-48.5% | $4,530-35.3% |
| Admin fee / account holder | $417 | $343+21.7% | $13,212-96.8% | $348+20.0% |