| Provider | Service type | Compensation |
|---|---|---|
MITCHELL & TITUS, LLP4 years Service code 10 · EIN 13-2781641 | Accounting | $28,917 |
FINANCIAL ENGINES6 years Service code 16 · EIN 94-3250323 | Consulting | $26,253 |
Filed as: NORTHWEST PLAN SERVICES Service code 16 · EIN 91-2090931 | Consulting | $9,153 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $294,842 | $133,040+121.6% | $119,237+147.3% | $79,395+271.4% |
| Participation rate | 21.4% | 80.9%-59.4pp | 82.7%-61.3pp | 70.7%-49.3pp |
| Annual return | 2.96% | 20.05%-17.1pp | 30.70%-27.7pp | 116.90%-113.9pp |
| Employer contribution / active EE | $1,068 | $4,390-75.7% | $4,383-75.6% | $2,428-56.0% |
| Participant deferral / active EE | $3,112 | $6,448-51.7% | $6,112-49.1% | $4,046-23.1% |
| Admin fee / account holder | $335 | $686-51.2% | $7,229-95.4% | $626-46.5% |