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| Provider | Service type | Compensation |
|---|---|---|
DIRECT ADVISORS, LLC4 years Service code 27 · EIN 20-5173405 | Advisory (Plan) | $27,476 |
THE VANGUARD GROUP, INC.4 years Filed as: THE VANGUARD GROUP Service code 15 · EIN 23-1945930 | Recordkeeping | $11,826 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,890 | $76,112+31.2% | $96,534+3.5% | $71,511+39.7% |
| Participation rate | 69.2% | 74.4%-5.2pp | 76.0%-6.8pp | 67.9%+1.2pp |
| Annual return | 13.28% | 22.81%-9.5pp | 25.88%-12.6pp | 28.86%-15.6pp |
| Employer contribution / active EE | $502 | $2,248-77.7% | $2,965-83.1% | $2,589-80.6% |
| Participant deferral / active EE | $5,019 | $4,217+19.0% | $4,851+3.5% | $4,291+17.0% |
| Admin fee / account holder | $328 | $2,708-87.9% | $8,253-96.0% | $1,588-79.4% |