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| Provider | Service type | Compensation |
|---|---|---|
NEW ENGLAND PENSION CONSULTANTS5+ years Filed as: NEW ENGLAND PENSION PLAN SYSTEMS, L Service code 13 · EIN 05-0515232 | Contract Administrator | $29,302 |
SERGIO DECURTIS5+ years Filed as: SERGIO A. DECURTIS Service code 28 · EIN 05-0515232 | Investment Management | $9,099 |
TD AMERITRADE, INC.2 years Filed as: TD AMERITRADE TRUST Service code 19 · EIN 84-0519832 | Securities Custodian | $6,066 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $63,229 | $31,679+99.6% | $74,723-15.4% | $65,186-3.0% |
| Participation rate | 52.3% | 40.4%+11.9pp | 54.5%-2.2pp | 70.2%-17.9pp |
| Annual return | 14.28% | 39.04%-24.8pp | 753.18%-738.9pp | 29.39%-15.1pp |
| Employer contribution / active EE | $163 | $566-71.3% | $1,084-85.0% | $2,177-92.5% |
| Participant deferral / active EE | $1,606 | $1,191+34.8% | $1,962-18.1% | $3,514-54.3% |
| Admin fee / account holder | $504 | $379+32.9% | $3,335-84.9% | $847-40.6% |