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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $48,620 |
ROCK HOUSE FINANCIAL4 years Service code 27 · EIN 47-3417936 | Advisory (Plan) | $18,462 |
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).
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 | $89,220 | $101,591-12.2% | $147,096-39.3% | $74,429+19.9% |
| Participation rate | 82.9% | 75.5%+7.4pp | 82.2%+0.7pp | 67.2%+15.7pp |
| Annual return | 19.68% | 8746.45%-8726.8pp | 419.75%-400.1pp | 1368.38%-1348.7pp |
| Employer contribution / active EE | $4,577 | $3,813+20.1% | $4,936-7.3% | $2,625+74.4% |
| Participant deferral / active EE | $10,048 | $7,302+37.6% | $8,071+24.5% | $4,348+131.1% |
| Admin fee / account holder | $302 | $1,750-82.7% | $13,005-97.7% | $1,944-84.5% |