Filed December 10, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $34,814 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,829 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $138,784 | $56,484+145.7% | $169,452-18.1% | $64,173+116.3% |
| Participation rate | 78.2% | 64.5%+13.6pp | 77.8%+0.4pp | 69.6%+8.6pp |
| Annual return | -6.08% | -1.55%-4.5pp | 1.83%-7.9pp | 7.63%-13.7pp |
| Employer contribution / active EE | $167 | $1,832-90.9% | $4,157-96.0% | $2,381-93.0% |
| Participant deferral / active EE | $7,300 | $3,448+111.7% | $5,277+38.3% | $3,470+110.4% |
| Admin fee / account holder | $456 | $4,174-89.1% | $9,110-95.0% | $4,887-90.7% |