Filed December 11, 2018
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| Provider | Service type | Compensation |
|---|---|---|
RMR WEALTH BUILDERS INC2 years Filed as: RMR WEALTH BUILDERS Service code 27 · EIN 11-2812983 | Advisory (Plan) | $50,932 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 13-3689044 | Recordkeeping | $43,666 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 27 · EIN 61-1732930 | Advisory (Plan) | $8,731 |
ASSOCIATED PENSION CONSULTANTS8+ years Filed as: ASSOCIATED PENSION CONSULTANTS, INC Service code 15 · EIN 11-3271022 401 BROADHOLLOW ROAD · MELVILLE, NE 11747 | Recordkeeping | $665 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $72,704 | $44,714+62.6% | $91,225-20.3% | $66,938+8.6% |
| Participation rate | 56.1% | 65.0%-8.9pp | 73.2%-17.1pp | 69.8%-13.7pp |
| Annual return | -20.03% | -12.25%-7.8pp | 114.12%-134.2pp | 1.58%-21.6pp |
| Employer contribution / active EE | $2,686 | $1,710+57.0% | $2,851-5.8% | $2,545+5.5% |
| Participant deferral / active EE | $6,149 | $3,355+83.3% | $4,233+45.2% | $4,238+45.1% |
| Admin fee / account holder | $502 | $521-3.7% | $5,422-90.7% | $594-15.4% |