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| Provider | Service type | Compensation |
|---|---|---|
BAC CAPITAL ADVISORS, LLC1+ years Service code 26 · EIN 91-1999591 | Advisory (Participants) | $25,865 |
BENEFIT ADMINISTRATION, INC.1+ years Filed as: BENEFIT ADMININSTRATION COMPANY, LL Service code 13 · EIN 91-1999591 | Contract Administrator | $9,153 |
NATIONAL FINANCIAL SERVICES1+ years Filed as: NATIONAL FINANCIAL SERVICES, INC. Service code 19 · EIN 04-3523567 | Securities Custodian | $7,017 |
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.
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 | $68,252 | $54,320+25.6% | $67,653+0.9% | $52,331+30.4% |
| Participation rate | 53.3% | 73.6%-20.3pp | 75.7%-22.4pp | 68.1%-14.8pp |
| Annual return | -5.19% | 6.81%-12.0pp | 6625.22%-6630.4pp | 4.54%-9.7pp |
| Employer contribution / active EE | $1,046 | $1,544-32.3% | $2,266-53.9% | $1,882-44.4% |
| Participant deferral / active EE | $2,476 | $2,950-16.1% | $3,560-30.5% | $3,022-18.1% |
| Admin fee / account holder | $345 | $527-34.6% | $4,821-92.9% | $592-41.8% |