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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.5+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $50,581 |
BAIRD INSURANCE SERVICES INC5+ years Filed as: HILLIARD LYONS TRUST COMPANY Service code 27 PO BOX 32760 · LOUISVILLE, KY 40232 | Advisory (Plan) | $33,130 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,256 | $65,376-15.5% | $87,102-36.6% | $65,185-15.2% |
| Participation rate | 90.6% | 75.3%+15.3pp | 76.9%+13.7pp | 70.2%+20.4pp |
| Annual return | 20.75% | 31.27%-10.5pp | 28.19%-7.4pp | 29.38%-8.6pp |
| Employer contribution / active EE | $2,025 | $1,822+11.1% | $2,521-19.7% | $2,177-7.0% |
| Participant deferral / active EE | $3,450 | $3,388+1.8% | $4,048-14.8% | $3,514-1.8% |
| Admin fee / account holder | $462 | $520-11.0% | $7,491-93.8% | $847-45.4% |