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| Provider | Service type | Compensation |
|---|---|---|
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH, INC. Service code 27 · EIN 93-0987232 | Advisory (Plan) | $20,865 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $18,273 |
NORTON ROSE FULBRIGHT3 years Filed as: NORTON RETIREMENT SERVICES, INC. Service code 15 · EIN 86-1009405 | Recordkeeping | $9,500 |
KIMBERLIN COMPANY, PLLC2 years Filed as: KIMBERLIN COMPANY PLLC Service code 10 · EIN 45-5497718 | Accounting | $8,500 |
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 | $45,465 | $55,423-18.0% | $155,602-70.8% | $74,400-38.9% |
| Participation rate | 99.1% | 61.9%+37.2pp | 78.2%+20.9pp | 67.2%+31.9pp |
| Annual return | 9.16% | 269.07%-259.9pp | 64.81%-55.6pp | 1367.51%-1358.4pp |
| Employer contribution / active EE | $5,501 | $2,266+142.8% | $4,675+17.7% | $2,624+109.6% |
| Participant deferral / active EE | $1,564 | $2,835-44.8% | $5,629-72.2% | $4,348-64.0% |
| Admin fee / account holder | $448 | $1,744-74.3% | $15,923-97.2% | $1,944-77.0% |