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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $7,462 |
MORNINGSTAR9+ years Service code 27 · EIN 36-3297908 | Advisory (Plan) | $7,003 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $280,313 | $83,045+237.5% | $130,045+115.6% | $71,511+292.0% |
| Participation rate | 95.0% | 74.1%+20.9pp | 78.5%+16.5pp | 67.9%+27.1pp |
| Annual return | 16.75% | 20.61%-3.9pp | -137.30%+154.1pp | 28.86%-12.1pp |
| Employer contribution / active EE | $3,546 | $2,623+35.2% | $4,321-17.9% | $2,589+37.0% |
| Participant deferral / active EE | $8,981 | $4,436+102.5% | $5,820+54.3% | $4,291+109.3% |
| Admin fee / account holder | $455 | $1,727-73.7% | $10,600-95.7% | $1,588-71.4% |