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| Provider | Service type | Compensation |
|---|---|---|
Filed as: GIRARD PARTNERS Service code 26 · EIN 23-2802378 41 W. BROAD STREET · SOUDERTON, PA 18964 | Advisory (Participants) | $49,549 |
THE VANGUARD GROUP, INC.6 years Filed as: THE VANGUARD GROUP Service code 13 · EIN 23-1945930 455 DEVON PARK DRIVE · WAYNE, PA 19087 | Contract Administrator | $16,965 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $176,623 | $89,465+97.4% | $165,071+7.0% | $77,736+127.2% |
| Participation rate | 57.4% | 78.6%-21.3pp | 78.6%-21.3pp | 70.6%-13.2pp |
| Annual return | 11.54% | 28.86%-17.3pp | 70.17%-58.6pp | 31.26%-19.7pp |
| Employer contribution / active EE | $2,622 | $2,565+2.2% | $4,347-39.7% | $2,728-3.9% |
| Participant deferral / active EE | $3,564 | $4,904-27.3% | $6,035-41.0% | $4,651-23.4% |
| Admin fee / account holder | $387 | $340+13.9% | $12,695-97.0% | $433-10.7% |