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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $39,218 |
Filed as: SNYDER & CLEMENTE Service code 10 · EIN 23-2535812 | Accounting | $13,000 |
S B H U LIFE AGENCY INC3 years Service code 49 · EIN 13-2896238 | Other Services | $1,172 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,748 | $54,674-10.8% | $76,089-35.9% | $74,429-34.5% |
| Participation rate | 93.7% | 60.3%+33.4pp | 69.1%+24.6pp | 67.2%+26.5pp |
| Annual return | 8.05% | 31.89%-23.8pp | 360.94%-352.9pp | 1368.38%-1360.3pp |
| Employer contribution / active EE | $1,988 | $1,781+11.6% | $2,690-26.1% | $2,625-24.3% |
| Participant deferral / active EE | $3,123 | $3,071+1.7% | $4,259-26.7% | $4,348-28.2% |
| Admin fee / account holder | $409 | $2,238-81.7% | $6,418-93.6% | $1,944-79.0% |