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| Provider | Service type | Compensation |
|---|---|---|
PENTEGRA SERVICES, INC.3 years Filed as: PENTEGRA SERVICES, INC Service code 15 · EIN 13-3745616 | Recordkeeping | $57,402 |
FINANCIAL GUIDE3 years Service code 26 1401 RICHMOND AVENUE, SUITE 200 · HOUSTON, TX 77006 | Advisory (Participants) | $0 |
RELIANCE TRUST COMPANY3 years Service code 19 · EIN 58-1428634 | Securities Custodian | $0 |
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.)
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 | $154,888 | $91,439+69.4% | $135,974+13.9% | $71,511+116.6% |
| Participation rate | 62.0% | 75.7%-13.6pp | 81.9%-19.9pp | 67.9%-5.9pp |
| Annual return | 22.04% | 29.90%-7.9pp | 68.30%-46.3pp | 28.86%-6.8pp |
| Employer contribution / active EE | $4,119 | $3,705+11.2% | $4,859-15.2% | $2,589+59.1% |
| Participant deferral / active EE | $7,785 | $7,093+9.8% | $7,760+0.3% | $4,291+81.4% |
| Admin fee / account holder | $580 | $1,267-54.2% | $10,767-94.6% | $1,588-63.5% |