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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CORNERSTONE INST. INVESTORS, LLC Service code 26 74 WEST BROAD STREET, STE 340 · BETHLEHEM, PA 18018 | Advisory (Participants) | $44,410 |
NEWPORT GROUP, INC.5 years Service code 13 · EIN 27-2037969 | Contract Administrator | $4,496 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $66,936 | $59,267+12.9% | $96,575-30.7% | $79,393-15.7% |
| Participation rate | 54.7% | 61.9%-7.2pp | 69.8%-15.2pp | 70.7%-16.0pp |
| Annual return | 11.60% | 27.08%-15.5pp | 37.79%-26.2pp | 116.87%-105.3pp |
| Employer contribution / active EE | $1,108 | $1,216-8.9% | $2,357-53.0% | $2,428-54.4% |
| Participant deferral / active EE | $4,520 | $2,947+53.4% | $3,849+17.4% | $4,046+11.7% |
| Admin fee / account holder | $330 | $659-49.8% | $6,182-94.7% | $627-47.3% |