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| Provider | Service type | Compensation |
|---|---|---|
BAC CAPITAL ADVISORS, LLC2+ years Service code 26 · EIN 91-1999591 | Advisory (Participants) | $29,751 |
BENEFIT ADMINISTRATION, INC.2+ years Filed as: BENEFIT ADMININSTRATION COMPANY, LL Service code 13 · EIN 91-1999591 | Contract Administrator | $11,983 |
NATIONAL FINANCIAL SERVICES2+ years Filed as: NATIONAL FINANCIAL SERVICES, INC. Service code 19 · EIN 04-3523567 | Securities Custodian | $7,679 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $73,257 | $60,165+21.8% | $74,184-1.2% | $55,167+32.8% |
| Participation rate | 48.1% | 74.2%-26.1pp | 76.6%-28.5pp | 69.0%-20.9pp |
| Annual return | 11.30% | 10.00%+1.3pp | 17.74%-6.4pp | 169.23%-157.9pp |
| Employer contribution / active EE | $1,029 | $1,600-35.7% | $2,370-56.6% | $1,963-47.6% |
| Participant deferral / active EE | $2,419 | $2,973-18.6% | $3,550-31.9% | $3,054-20.8% |
| Admin fee / account holder | $328 | $419-21.9% | $5,586-94.1% | $504-35.0% |