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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SUMMIT GROUP RETIREMENT PLANNERS, Service code 27 · EIN 46-4198717 | Advisory (Plan) | $52,000 |
WITHUMSMITH+BROWN, PC2 years Filed as: WITHUM SMITH+BROWN, PC Service code 10 · EIN 22-2027092 | Accounting | $19,344 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$3,100 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,268 | $62,177+5.0% | $81,370-19.8% | $74,478-12.4% |
| Participation rate | 69.0% | 64.1%+5.0pp | 69.5%-0.5pp | 67.2%+1.8pp |
| Annual return | 12.65% | 16.62%-4.0pp | 24.85%-12.2pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $1,719 | $1,881-8.6% | $2,464-30.2% | $2,626-34.6% |
| Participant deferral / active EE | $3,636 | $3,219+13.0% | $3,885-6.4% | $4,350-16.4% |
| Admin fee / account holder | $377 | $1,927-80.4% | $5,749-93.4% | $1,946-80.6% |