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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 04-2675571 29 SAWYER RD, ONE · WALTHAM, MA 02453 | Advisory (Plan) | $36,625 |
PENTEGRA SERVICES, INC.3 years Filed as: PENTEGRA RETIREMENT SERVICES Service code 13 5350 77 CENTER DRIVE, STE 200 · CHARLOTTE, NC 28217 | Contract Administrator | $20,258 |
ASCENSUS LLC3 years Filed as: ASCENSUS, LLC Service code 64 · EIN 11-3665754 | Recordkeeping Fees | $17,410 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,932 | $58,879+42.5% | $178,490-53.0% | $73,488+14.2% |
| Participation rate | 68.9% | 66.2%+2.6pp | 81.9%-13.1pp | 70.7%-1.8pp |
| Annual return | 12.64% | 24.86%-12.2pp | 151.07%-138.4pp | 28.51%-15.9pp |
| Employer contribution / active EE | $3,694 | $2,236+65.2% | $5,011-26.3% | $2,270+62.7% |
| Participant deferral / active EE | $3,057 | $2,567+19.1% | $5,202-41.2% | $3,740-18.3% |
| Admin fee / account holder | $523 | $400+30.7% | $13,984-96.3% | $513+2.0% |