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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 45-5608425 | Advisory (Plan) | $20,000 |
CITRIN COOPERMAN2+ years Service code 10 · EIN 22-2428965 | Accounting | $6,500 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,650 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $79,423 | $49,025+62.0% | $87,502-9.2% | $62,881+26.3% |
| Participation rate | 64.2% | 64.9%-0.7pp | 73.8%-9.6pp | 69.3%-5.1pp |
| Annual return | 7.21% | 10.02%-2.8pp | 12.21%-5.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,823 | $2,289+110.7% | $3,149+53.2% | $3,203+50.6% |
| Admin fee / account holder | $339 | $4,065-91.7% | $4,221-92.0% | $4,296-92.1% |