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| Provider | Service type | Compensation |
|---|---|---|
GIRARD PARTNERS1 year Filed as: GIRARD ADVISORY SERVICES, LLC Service code 26 41 W. BROAD STREET · SOUDERTON, PA 18964 | Advisory (Participants) | $5,723 |
BPAS1 year Service code 15 · EIN 16-1503696 6 RHOADS DRIVE, SUITE 7 · UTICA, NY 13502 | Recordkeeping | $3,867 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,522 | $64,719-15.8% | $112,249-51.4% | $68,486-20.4% |
| Participation rate | 61.5% | 67.2%-5.7pp | 75.1%-13.6pp | 67.9%-6.4pp |
| Annual return | -15.32% | -11.40%-3.9pp | 27.48%-42.8pp | -7.85%-7.5pp |
| Employer contribution / active EE | $456 | $2,747-83.4% | $3,636-87.4% | $2,597-82.4% |
| Participant deferral / active EE | $2,955 | $3,565-17.1% | $4,729-37.5% | $4,028-26.6% |
| Admin fee / account holder | $498 | $5,232-90.5% | $6,412-92.2% | $5,404-90.8% |