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| Provider | Service type | Compensation |
|---|---|---|
BAC CAPITAL ADVISORS, LLC3+ years Service code 26 · EIN 91-1999591 | Advisory (Participants) | $32,429 |
BENEFIT ADMINISTRATION, INC.3+ years Filed as: BENEFIT ADMININSTRATION COMPANY, LL Service code 13 · EIN 91-1999591 | Contract Administrator | $10,311 |
NATIONAL FINANCIAL SERVICES3+ years Filed as: NATIONAL FINANCIAL SERVICES, INC. Service code 19 · EIN 04-3523567 | Securities Custodian | $4,719 |
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 | $72,492 | $64,909+11.7% | $82,313-11.9% | $62,293+16.4% |
| Participation rate | 49.3% | 74.9%-25.5pp | 76.9%-27.6pp | 69.5%-20.2pp |
| Annual return | 12.53% | 21.18%-8.6pp | 25.88%-13.3pp | 28.90%-16.4pp |
| Employer contribution / active EE | $952 | $1,676-43.2% | $2,428-60.8% | $2,042-53.4% |
| Participant deferral / active EE | $2,589 | $3,103-16.6% | $3,706-30.1% | $3,169-18.3% |
| Admin fee / account holder | $332 | $440-24.5% | $5,608-94.1% | $479-30.8% |