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| Provider | Service type | Compensation |
|---|---|---|
RETIREMENT STRATEGIES, INC.2 years Service code 13 · EIN 58-2380163 | Contract Administrator | $34,429 |
BEACON FINANCIAL ADVISORS, LLC4+ years Filed as: BEACON FINANCIAL ADVISERS, INC. Service code 27 · EIN 58-2343908 | Advisory (Plan) | $12,480 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $14,222 | $37,591-62.2% | $90,657-84.3% | $55,725-74.5% |
| Participation rate | 34.7% | 66.4%-31.7pp | 74.0%-39.4pp | 70.9%-36.2pp |
| Annual return | -8.32% | -3.20%-5.1pp | 1.89%-10.2pp | 244.93%-253.2pp |
| Employer contribution / active EE | $395 | $1,302-69.7% | $2,532-84.4% | $2,078-81.0% |
| Participant deferral / active EE | $532 | $2,643-79.9% | $3,424-84.5% | $3,356-84.1% |
| Admin fee / account holder | $302 | $100+201.8% | $4,994-94.0% | $115+161.9% |