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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.2+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $36,096 |
BAIRD INSURANCE SERVICES INC2+ years Filed as: HILLIARD LYONS TRUST COMPANY Service code 27 PO BOX 32760 · LOUISVILLE, KY 40232 | Advisory (Plan) | $23,696 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,505 | $60,165-36.0% | $74,184-48.1% | $55,167-30.2% |
| Participation rate | 88.8% | 74.2%+14.7pp | 76.6%+12.2pp | 69.0%+19.8pp |
| Annual return | 9.88% | 10.00%-0.1pp | 17.74%-7.9pp | 169.23%-159.4pp |
| Employer contribution / active EE | $2,976 | $1,600+86.1% | $2,370+25.6% | $1,963+51.7% |
| Participant deferral / active EE | $3,586 | $2,973+20.6% | $3,550+1.0% | $3,054+17.4% |
| Admin fee / account holder | $396 | $419-5.6% | $5,586-92.9% | $504-21.4% |