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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Direct payment from the plan; Recordk... | $88,194 |
Service code 27 · EIN 26-0058143 | Advisory (Plan) | $48,403 |
NATIONAL FINANCIAL SERVICES8+ years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
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.
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 | $21,422 | $45,000-52.4% | $143,797-85.1% | $77,906-72.5% |
| Participation rate | 39.1% | 66.8%-27.8pp | 80.3%-41.3pp | 73.7%-34.6pp |
| Annual return | -11.41% | 29.03%-40.4pp | -0.04%-11.4pp | 12.16%-23.6pp |
| Employer contribution / active EE | $143 | $1,870-92.4% | $4,952-97.1% | $2,846-95.0% |
| Participant deferral / active EE | $1,393 | $3,157-55.9% | $5,638-75.3% | $4,805-71.0% |
| Admin fee / account holder | $136 | $98+38.0% | $14,679-99.1% | $133+2.4% |