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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES5+ years Filed as: RETIREMENT PLAN CONSULTANTS, LLC Service code 15 125 S 4TH STREET · NORFOLK, NE 68701 | Recordkeeping | $37,221 |
CARON & BLETZER, PLLC1 year Filed as: CARON & BELTZER Service code 10 1 LIBRARY LANE · KINGSTON, NH 03848 | Accounting | $6,975 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $180,549 | $89,370+102.0% | $141,197+27.9% | $72,976+147.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 16.73% | 111.88%-95.1pp | 71.41%-54.7pp | 81.02%-64.3pp |
| Employer contribution / active EE | $11,078 | $3,115+255.6% | $4,736+133.9% | $2,440+354.0% |
| Participant deferral / active EE | $13,442 | $5,419+148.1% | $6,710+100.3% | $3,608+272.6% |
| Admin fee / account holder | $319 | $5,957-94.6% | $10,265-96.9% | $5,124-93.8% |