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| Provider | Service type | Compensation |
|---|---|---|
THE WATERFORD GROUP LLC1 year Service code 27 · EIN 80-0675279 | Advisory (Plan) | $47,586 |
Service code 37 · EIN 04-2647786 | Loan Processing | $36,678 |
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $47,685 | $106,264-55.1% | $147,117-67.6% | $77,762-38.7% |
| Participation rate | 96.5% | 78.4%+18.1pp | 82.2%+14.4pp | 70.6%+26.0pp |
| Annual return | 13.17% | 56.94%-43.8pp | 420.54%-407.4pp | 31.27%-18.1pp |
| Employer contribution / active EE | $1,730 | $4,074-57.5% | $4,932-64.9% | $2,728-36.6% |
| Participant deferral / active EE | $7,755 | $8,003-3.1% | $8,065-3.8% | $4,651+66.7% |
| Admin fee / account holder | $115 | $334-65.6% | $12,993-99.1% | $433-73.4% |