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| Provider | Service type | Compensation |
|---|---|---|
LEAR & PANNEPACKER LLP2 years Service code 10 · EIN 36-6071399 | Accounting | $27,500 |
Filed as: TRANSAMERICA FINANCIAL LIC Service code 15 · EIN 36-6071399 | Recordkeeping | $19,318 |
Filed as: MERRILL LYNCH LIFE AGENCY Service code 27 · EIN 13-2808480 | Advisory (Plan) | $15,265 |
STALKER & ASSOCIATES, INC.5 years Filed as: STALKER & ASSOCIATES Service code 15 · EIN 23-2756743 | Recordkeeping | $7,197 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $49,501 | $98,776-49.9% | $149,745-66.9% | $79,856-38.0% |
| Participation rate | 53.8% | 75.8%-22.0pp | 82.5%-28.7pp | 69.6%-15.9pp |
| Annual return | 11.02% | 27.38%-16.4pp | 276.72%-265.7pp | 31.71%-20.7pp |
| Employer contribution / active EE | $42 | $3,217-98.7% | $4,646-99.1% | $2,471-98.3% |
| Participant deferral / active EE | $2,391 | $5,681-57.9% | $6,843-65.1% | $3,741-36.1% |
| Admin fee / account holder | $949 | $6,053-84.3% | $9,312-89.8% | $5,306-82.1% |