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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $38,004 |
Service code 37 · EIN 04-2647786 | Loan Processing | $24,433 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,177 | $89,652+40.7% | $141,197-10.6% | $65,186+93.6% |
| Participation rate | 99.1% | 74.7%+24.4pp | 82.5%+16.7pp | 70.2%+28.9pp |
| Annual return | 20.04% | 32.79%-12.7pp | 71.41%-51.4pp | 29.39%-9.3pp |
| Employer contribution / active EE | $5,720 | $3,065+86.7% | $4,736+20.8% | $2,177+162.8% |
| Participant deferral / active EE | $9,225 | $5,691+62.1% | $6,710+37.5% | $3,514+162.5% |
| Admin fee / account holder | $434 | $569-23.7% | $10,265-95.8% | $847-48.8% |