Filed February 19, 2026
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| Provider | Service type | Compensation |
|---|---|---|
CUSMANO AND COMPANY, P.C.2+ years Service code 10 · EIN 38-2227768 | Accounting | $8,000 |
GREAT LAKES ADVISORS, LLC2+ years Filed as: GREAT LAKES PENSION ASSOCIATES, INC Service code 12 · EIN 38-2438760 | Participant loan processing; Claims p... | $1,250 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $336 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,960 | $46,761-63.7% | $106,619-84.1% | $57,658-70.6% |
| Participation rate | 19.6% | 56.9%-37.3pp | 78.0%-58.4pp | 70.2%-50.7pp |
| Annual return | 7.65% | 15.77%-8.1pp | 9.42%-1.8pp | 5.13%+2.5pp |
| Employer contribution / active EE | $182 | $1,274-85.7% | $3,947-95.4% | $1,974-90.8% |
| Participant deferral / active EE | $691 | $1,954-64.6% | $3,930-82.4% | $3,061-77.4% |
| Admin fee / account holder | $109 | $97+12.8% | $6,418-98.3% | $95+15.5% |