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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 28 · EIN 13-5674085 | Investment Management | $46,934 |
THE BANK OF NEW YORK MELLON1+ years Filed as: BANK OF NEW YORK MELLON Service code 19 · EIN 13-5160382 | Securities Custodian | $42,070 |
LEWIS, CLIFTON & NIKOLAIDIS1+ years Service code 29 · EIN 01-0803844 | Legal | $22,362 |
MSPC1+ years Service code 10 · EIN 22-2951202 | Accounting | $14,513 |
STONE CASTLE REALTY1+ years Service code 32 · EIN 13-2891975 | Real estate brokerage | $13,935 |
HUGH JOHNSON ADVISORS1+ years Service code 28 · EIN 43-2063831 | Investment Management | $8,571 |
DAVID KRAMER1+ years Service code 29 · EIN 13-3290525 | Legal | $8,072 |
WRIGHT INVESTORS SERVICE1+ years Filed as: WRIGHT INVESTOR SERVICES Service code 28 · EIN 06-1444342 | Investment Management | $7,536 |
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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,550 | $68,413-34.9% | $123,105-63.8% | $55,191-19.3% |
| Participation rate | 87.9% | 84.5%+3.4pp | 86.8%+1.1pp | 69.2%+18.8pp |
| Annual return | -2.49% | 6.30%-8.8pp | 13.22%-15.7pp | 10.78%-13.3pp |
| Employer contribution / active EE | $4,458 | $3,050+46.2% | $5,151-13.4% | $1,899+134.8% |
| Participant deferral / active EE | $0 | $4,490-100.0% | $6,229-100.0% | $3,046-100.0% |
| Admin fee / account holder | $773 | $88+779.8% | $9,014-91.4% | $91+751.1% |