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| Provider | Service type | Compensation |
|---|---|---|
MILLSTONE FINANCIAL GROUP3 years Service code 27 · EIN 45-4984952 | Advisory (Plan) | $17,810 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,638 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,869 | $73,638-24.1% | $108,410-48.5% | $79,393-29.6% |
| Participation rate | 46.8% | 77.4%-30.6pp | 80.1%-33.4pp | 70.7%-24.0pp |
| Annual return | 13.32% | 33.27%-19.9pp | 905.34%-892.0pp | 116.87%-103.5pp |
| Employer contribution / active EE | $284 | $2,397-88.1% | $3,558-92.0% | $2,428-88.3% |
| Participant deferral / active EE | $3,049 | $6,218-51.0% | $6,562-53.5% | $4,046-24.6% |
| Admin fee / account holder | $367 | $638-42.4% | $7,296-95.0% | $627-41.4% |