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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC3 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $66,395 |
Service code 37 · EIN 04-2647786 | Loan Processing | $31,862 |
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 | $111,807 | $64,176+74.2% | $112,263-0.4% | $66,949+67.0% |
| Participation rate | 94.6% | 68.4%+26.2pp | 75.1%+19.6pp | 69.8%+24.8pp |
| Annual return | -17.32% | -13.80%-3.5pp | 27.49%-44.8pp | 1.57%-18.9pp |
| Employer contribution / active EE | $2,399 | $3,007-20.2% | $3,636-34.0% | $2,545-5.7% |
| Participant deferral / active EE | $8,582 | $3,694+132.3% | $4,729+81.5% | $4,239+102.4% |
| Admin fee / account holder | $464 | $626-25.8% | $6,410-92.8% | $594-21.8% |