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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC7 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $25,000 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $183 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $214,776 | $68,996+211.3% | $159,991+34.2% | $68,495+213.6% |
| Participation rate | 60.5% | 65.4%-4.9pp | 78.0%-17.4pp | 67.9%-7.4pp |
| Annual return | -15.70% | -9.65%-6.1pp | 408.82%-424.5pp | -7.84%-7.9pp |
| Employer contribution / active EE | $1,261 | $2,212-43.0% | $4,225-70.2% | $2,596-51.4% |
| Participant deferral / active EE | $8,442 | $4,211+100.5% | $6,183+36.5% | $4,028+109.6% |
| Admin fee / account holder | $336 | $4,797-93.0% | $8,715-96.1% | $5,403-93.8% |