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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SAGEVIEW ADVISORY GROUP Service code 27 · EIN 33-0818667 | Advisory (Plan) | $91,073 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $41,509 |
HOWARD SIMON & ASSOCIATES, INC.7+ years Service code 15 · EIN 36-3132823 | Recordkeeping | $3,325 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $99,161 | $50,956+94.6% | $96,572+2.7% | $86,821+14.2% |
| Participation rate | 45.4% | 65.2%-19.9pp | 69.8%-24.5pp | 72.3%-26.9pp |
| Annual return | 11.35% | 21.27%-9.9pp | 37.79%-26.4pp | 97.94%-86.6pp |
| Employer contribution / active EE | $0 | $1,111-100.0% | $2,357-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $4,682 | $2,954+58.5% | $3,850+21.6% | $4,132+13.3% |
| Admin fee / account holder | $777 | $166+367.8% | $6,183-87.4% | $170+358.0% |