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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $32,705 |
FRANKLIN BANK3 years Service code 19 · EIN 61-0547583 | Securities Custodian | $29,279 |
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.)
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 | $78,077 | $51,092+52.8% | $76,735+1.7% | $79,634-2.0% |
| Participation rate | 38.9% | 50.2%-11.4pp | 69.5%-30.6pp | 62.5%-23.6pp |
| Annual return | 14.13% | 18.04%-3.9pp | 29.77%-15.6pp | 36.46%-22.3pp |
| Employer contribution / active EE | $1,016 | $1,519-33.1% | $2,454-58.6% | $2,529-59.8% |
| Participant deferral / active EE | $2,619 | $2,529+3.5% | $4,088-35.9% | $3,835-31.7% |
| Admin fee / account holder | $385 | $1,865-79.4% | $7,189-94.6% | $1,002-61.6% |