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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $38,835 |
Service code 27 · EIN 59-2937883 | Advisory (Plan) | $16,026 |
STOWE & DEGON, LLC1 year Filed as: STOWE AND DEGON LLC Service code 10 · EIN 04-3379904 | Accounting | $13,400 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,627 | $80,763-34.8% | $102,412-48.6% | $74,459-29.3% |
| Participation rate | 91.5% | 65.7%+25.9pp | 74.5%+17.0pp | 67.2%+24.3pp |
| Annual return | 15.43% | 27.57%-12.1pp | 24.94%-9.5pp | 1369.70%-1354.3pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $6,866 | $3,862+77.8% | $5,060+35.7% | $4,350+57.8% |
| Admin fee / account holder | $351 | $2,371-85.2% | $8,388-95.8% | $1,945-82.0% |