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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Recordkeeping fees; Distribution (12b... | $43,843 |
FIDUCIENT ADVISORS LLC1 year Service code 27 · EIN 36-4001764 | Advisory (Plan) | $20,300 |
CLIFTONLARSONALLEN LLP2 years Filed as: CLIFTON LARSON ALLEN LLP Service code 10 · EIN 24-1711454 | Accounting | $12,000 |
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.
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.
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 | $99,223 | $72,303+37.2% | $86,698+14.4% | $64,824+53.1% |
| Participation rate | 46.7% | 80.4%-33.7pp | 76.6%-29.9pp | 71.5%-24.8pp |
| Annual return | -21.23% | 392.77%-414.0pp | 35.96%-57.2pp | 32.84%-54.1pp |
| Employer contribution / active EE | $1,703 | $2,393-28.8% | $2,837-40.0% | $2,507-32.1% |
| Participant deferral / active EE | $4,549 | $4,660-2.4% | $4,656-2.3% | $4,311+5.5% |
| Admin fee / account holder | $306 | $174+75.8% | $7,492-95.9% | $188+62.8% |