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| Provider | Service type | Compensation |
|---|---|---|
CFM ADVISORS2+ years Filed as: CFM ADVISORS, INC. Service code 20 · EIN 11-3237905 | Trustee (individual) | $43,000 |
CEP CONSULTANTS, INC2+ years Filed as: CEP CONSULTANTS, INC. Service code 17 · EIN 11-2482296 | Pension Consulting | $37,325 |
Filed as: CHARLES SCHWAB & CO. Service code 25 · EIN 94-3347304 | Directed Trustee | $3,028 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 | Recordkeeping | $895 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $28,982 | $80,177-63.9% | $123,894-76.6% | $57,658-49.7% |
| Participation rate | 28.7% | 74.4%-45.8pp | 81.4%-52.7pp | 70.2%-41.6pp |
| Annual return | 3.37% | 17.90%-14.5pp | 47.52%-44.1pp | 5.13%-1.8pp |
| Employer contribution / active EE | $106 | $2,913-96.4% | $4,617-97.7% | $1,974-94.6% |
| Participant deferral / active EE | $675 | $5,130-86.8% | $5,984-88.7% | $3,061-77.9% |
| Admin fee / account holder | $355 | $106+233.5% | $8,357-95.8% | $95+275.1% |