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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $107,782 |
FINANCIAL ENGINES8+ years Service code 27 · EIN 94-3250323 | Advisory (Plan) | $83,759 |
MERCER2 years Service code 27 · EIN 36-2668272 | Advisory (Plan) | $61,363 |
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 | $178,920 | $115,744+54.6% | $100,415+78.2% | $200,096-10.6% |
| Participation rate | 97.2% | 85.7%+11.5pp | 81.5%+15.7pp | 72.0%+25.2pp |
| Annual return | 13.40% | 17.79%-4.4pp | 49.47%-36.1pp | 34.26%-20.9pp |
| Employer contribution / active EE | $5,137 | $3,657+40.5% | $3,943+30.3% | $3,038+69.1% |
| Participant deferral / active EE | $11,623 | $9,844+18.1% | $8,091+43.7% | $5,090+128.4% |
| Admin fee / account holder | $141 | $93+52.0% | $7,906-98.2% | $269-47.6% |