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| Provider | Service type | Compensation |
|---|---|---|
THE WATERFORD GROUP LLC2 years Service code 27 · EIN 80-0675279 | Advisory (Plan) | $47,459 |
Service code 37 · EIN 04-2647786 | Loan Processing | $805 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,723 | $84,493+0.3% | $125,381-32.4% | $66,938+26.6% |
| Participation rate | 47.0% | 76.4%-29.4pp | 82.4%-35.4pp | 69.8%-22.8pp |
| Annual return | -15.77% | -8.49%-7.3pp | 572.31%-588.1pp | 1.58%-17.4pp |
| Employer contribution / active EE | $1,046 | $3,554-70.6% | $4,815-78.3% | $2,545-58.9% |
| Participant deferral / active EE | $3,293 | $6,783-51.5% | $7,448-55.8% | $4,238-22.3% |
| Admin fee / account holder | $611 | $685-10.8% | $10,007-93.9% | $594+2.9% |