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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 04-2647786 | Directed Trustee | $11,344 |
CMJ, LLP2 years Service code 10 · EIN 14-1710385 | Accounting | $6,800 |
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 | $226,490 | $67,602+235.0% | $82,312+175.2% | $70,126+223.0% |
| Participation rate | 67.5% | 72.8%-5.2pp | 76.9%-9.4pp | 69.5%-2.0pp |
| Annual return | 16.75% | 21.57%-4.8pp | 25.88%-9.1pp | 73.15%-56.4pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,501 | $2,987-16.3% | $3,706-32.5% | $3,332-24.9% |
| Admin fee / account holder | $304 | $4,512-93.3% | $5,608-94.6% | $4,645-93.5% |