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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $28,452 |
Service code 27 1717 ARCH STREET · PHILADELPHIA, PA 19103 | Advisory (Plan) | $27,556 |
MORGAN STANLEY SMITH BARNEY4 years Service code 99 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004 | Other Fees | $8,958 |
DUNBAR, BENDER & ZAPF, INC.3 years Service code 13 437 GRANT STREET · PITTSBURGH, PA 15219 | Contract Administrator | $6,975 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,743 | $69,383+35.1% | $101,271-7.4% | $73,493+27.6% |
| Participation rate | 96.8% | 68.4%+28.4pp | 75.8%+20.9pp | 70.7%+26.1pp |
| Annual return | 19.31% | 18.46%+0.8pp | 46.48%-27.2pp | 28.51%-9.2pp |
| Employer contribution / active EE | $5,045 | $2,628+91.9% | $3,660+37.8% | $2,270+122.2% |
| Participant deferral / active EE | $5,202 | $3,301+57.6% | $4,371+19.0% | $3,740+39.1% |
| Admin fee / account holder | $403 | $704-42.8% | $5,948-93.2% | $513-21.5% |