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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $60,448 |
Filed as: TWELVE POINTS WEALTH MANAGEMENT LL Service code 27 · EIN 46-5061538 | Advisory (Plan) | $40,601 |
JOHNSON BANK1 year Filed as: JOHNSON O'CONNOR FERON & CARUCCI L Service code 10 · EIN 20-3985546 | Accounting | $23,210 |
Filed as: CBIZ MHM, LLC Service code 10 · EIN 34-1846498 | Accounting | $11,890 |
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 | $65,189 | $106,247-38.6% | $147,096-55.7% | $77,714-16.1% |
| Participation rate | 88.2% | 78.4%+9.9pp | 82.2%+6.1pp | 70.6%+17.7pp |
| Annual return | 18.37% | 56.87%-38.5pp | 419.75%-401.4pp | 31.26%-12.9pp |
| Employer contribution / active EE | $2,238 | $4,069-45.0% | $4,936-54.7% | $2,727-17.9% |
| Participant deferral / active EE | $12,350 | $7,996+54.5% | $8,071+53.0% | $4,649+165.6% |
| Admin fee / account holder | $197 | $338-41.8% | $13,005-98.5% | $433-54.6% |