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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.4+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $46,583 |
BAIRD INSURANCE SERVICES INC4+ years Filed as: HILLIARD LYONS TRUST COMPANY Service code 27 PO BOX 32760 · LOUISVILLE, KY 40232 | Advisory (Plan) | $29,755 |
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.
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 | $44,422 | $59,186-24.9% | $76,768-42.1% | $56,287-21.1% |
| Participation rate | 87.0% | 75.2%+11.8pp | 77.0%+10.0pp | 69.9%+17.2pp |
| Annual return | -7.34% | 6.62%-14.0pp | 2.43%-9.8pp | -9.96%+2.6pp |
| Employer contribution / active EE | $1,849 | $1,759+5.2% | $2,485-25.6% | $2,111-12.4% |
| Participant deferral / active EE | $3,338 | $3,255+2.6% | $3,852-13.3% | $3,350-0.3% |
| Admin fee / account holder | $449 | $489-8.2% | $6,675-93.3% | $521-13.8% |