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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.6 years Service code 15 · EIN 23-1945930 | Recordkeeping | $6,507 |
Filed as: UNITED PLANNERS FINANCIAL Service code 27 · EIN 86-0588303 | Advisory (Plan) | $5,399 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,775 | $42,917-56.3% | $60,899-69.2% | $68,495-72.6% |
| Participation rate | 31.7% | 66.8%-35.1pp | 73.1%-41.4pp | 67.9%-36.2pp |
| Annual return | -17.16% | -13.99%-3.2pp | 16.92%-34.1pp | -7.84%-9.3pp |
| Employer contribution / active EE | $1 | $1,979-99.9% | $2,702-100.0% | $2,596-99.9% |
| Participant deferral / active EE | $1,217 | $2,867-57.5% | $3,817-68.1% | $4,028-69.8% |
| Admin fee / account holder | $372 | $3,102-88.0% | $3,225-88.5% | $5,403-93.1% |