Filed February 19, 2026
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| Provider | Service type | Compensation |
|---|---|---|
CUSMANO AND COMPANY, P.C.3+ years Service code 10 · EIN 38-2227768 | Accounting | $9,790 |
GREAT LAKES ADVISORS, LLC3+ years Filed as: GREAT LAKES PENSION ASSOCIATES, INC Service code 12 · EIN 38-2438760 | Participant loan processing; Claims p... | $5,000 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,204 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $16,777 | $38,989-57.0% | $117,039-85.7% | $77,958-78.5% |
| Participation rate | 20.3% | 57.0%-36.6pp | 77.2%-56.8pp | 71.6%-51.3pp |
| Annual return | 19.05% | 20.61%-1.6pp | 18.95%+0.1pp | 20.87%-1.8pp |
| Employer contribution / active EE | $187 | $1,026-81.8% | $3,785-95.1% | $2,310-91.9% |
| Participant deferral / active EE | $713 | $1,621-56.0% | $3,929-81.9% | $3,537-79.8% |
| Admin fee / account holder | $75 | $76-0.1% | $5,974-98.7% | $97-22.5% |