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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $44,302 |
Service code 37 · EIN 04-2647786 | Loan Processing | $39,848 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,512 | $84,482-24.8% | $125,363-49.3% | $66,930-5.1% |
| Participation rate | 94.4% | 76.4%+18.0pp | 82.4%+12.0pp | 69.8%+24.6pp |
| Annual return | -17.03% | -8.49%-8.5pp | 572.15%-589.2pp | 1.57%-18.6pp |
| Employer contribution / active EE | $3,997 | $3,553+12.5% | $4,815-17.0% | $2,545+57.1% |
| Participant deferral / active EE | $14,053 | $6,782+107.2% | $7,447+88.7% | $4,238+231.6% |
| Admin fee / account holder | $340 | $685-50.3% | $10,005-96.6% | $593-42.7% |