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| Provider | Service type | Compensation |
|---|---|---|
INGHAM & COMPANY10+ years Service code 14 · EIN 65-0170152 | Plan Administrator | $70,048 |
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 | $54,444 | $57,140-4.7% | $85,240-36.1% | $80,959-32.8% |
| Participation rate | 61.5% | 56.4%+5.0pp | 67.5%-6.1pp | 67.7%-6.2pp |
| Annual return | 7.79% | 21.71%-13.9pp | 66.75%-59.0pp | 35.67%-27.9pp |
| Employer contribution / active EE | $1,097 | $1,802-39.1% | $2,735-59.9% | $2,757-60.2% |
| Participant deferral / active EE | $3,818 | $3,115+22.6% | $4,527-15.7% | $4,300-11.2% |
| Admin fee / account holder | $718 | $4,992-85.6% | $6,165-88.4% | $6,925-89.6% |