| Provider | Service type | Compensation |
|---|---|---|
ALIGHT SOLUTIONS LLC8 years Service code 28 · EIN 82-1061233 4 OVERLOOK POINT, SIDE B · LINCOLNSHIRE, IL 60069 | Investment Management | $473,501 |
KPMG LLP1 year Filed as: KPMG Service code 10 · EIN 13-5565207 | Accounting | $145,500 |
INVESCO8 years Filed as: INVESCO ADVISORS, INC. Service code 28 · EIN 58-1707262 | Investment Management | $143,406 |
STATE STREET GLOBAL ADVISORS8 years Filed as: SSGA Service code 28 · EIN 81-4017137 | Investment Management | $101,051 |
AON CONSULTING10+ years Filed as: AON HEWITT FINANCIAL ADVISORS Service code 26 · EIN 35-2421957 | Advisory (Participants) | $100,000 |
BLACK & PINCKARD LLC9 years Filed as: BLACK ROCK FINANCIAL Service code 21 · EIN 94-3112180 | Bank Trustee | $46,437 |
CLIFTONLARSONALLEN LLP8 years Service code 10 · EIN 41-0746749 | Accounting | $15,750 |
Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.
| Category | Counterparty | Relationship / Terms | Address | Amount |
|---|---|---|---|---|
| Part 3 Non-exempt transaction | STATE STREET BANK & TRUST | PLAN TRUSTEE THE PLAN INCURRED OVERDRAFTS AS A RESULT OF 62 MISTIMED DEFERRALS DURING THE 2024 PLAN YEAR. | — | — |
| Part 3 Non-exempt transaction | STATE STREET BANK & TRUST | PLAN TRUSTEE THE PLAN INCURRED OVERDRAFTS AS A RESULT OF MISTIMED DEFERRALS. | — | — |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $175,847 | $148,970+18.0% | $133,698+31.5% | $200,096-12.1% |
| Participation rate | 85.4% | 79.4%+6.0pp | 76.4%+9.0pp | 72.0%+13.4pp |
| Annual return | 12.04% | 27.07%-15.0pp | 580.90%-568.9pp | 34.26%-22.2pp |
| Employer contribution / active EE | $5,572 | $3,561+56.5% | $4,218+32.1% | $3,038+83.4% |
| Participant deferral / active EE | $8,533 | $6,140+39.0% | $7,016+21.6% | $5,090+67.7% |
| Admin fee / account holder | $370 | $144+157.4% | $6,703-94.5% | $269+37.5% |