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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC1 year Filed as: MMA SECURITIES Service code 27 · EIN 22-3570392 | Advisory (Plan) | $18,011 |
Service code 37 · EIN 04-2647786 | Loan Processing | $11,789 |
PENSION ASSURANCE LLP1 year Service code 10 · EIN 30-0840934 | Accounting | $8,000 |
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.)
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 | $47,866 | $43,504+10.0% | $68,612-30.2% | $56,289-15.0% |
| Participation rate | 50.9% | 67.8%-16.9pp | 72.2%-21.3pp | 69.9%-18.9pp |
| Annual return | -5.72% | -3.15%-2.6pp | -4.63%-1.1pp | -9.96%+4.2pp |
| Employer contribution / active EE | $1,106 | $1,525-27.5% | $2,625-57.9% | $2,111-47.6% |
| Participant deferral / active EE | $1,849 | $2,509-26.3% | $3,311-44.2% | $3,350-44.8% |
| Admin fee / account holder | $406 | $515-21.1% | $5,131-92.1% | $521-22.0% |