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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $44,125 |
Filed as: CIRA (CAMBRIDGE INVESTMENT RESEARCH Service code 99 · EIN 42-1445429 | Other Fees | $38,549 |
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 | $87,617 | $78,428+11.7% | $95,960-8.7% | $79,852+9.7% |
| Participation rate | 98.8% | 73.5%+25.3pp | 77.1%+21.8pp | 69.6%+29.2pp |
| Annual return | 9.88% | 19.37%-9.5pp | 91.63%-81.8pp | 31.72%-21.8pp |
| Employer contribution / active EE | $1,198 | $1,945-38.4% | $2,541-52.8% | $2,471-51.5% |
| Participant deferral / active EE | $3,874 | $3,440+12.6% | $4,167-7.0% | $3,740+3.6% |
| Admin fee / account holder | $371 | $5,622-93.4% | $6,797-94.5% | $5,306-93.0% |