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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 | $57,057-4.6% | $85,009-36.0% | $80,874-32.7% |
| Participation rate | 61.5% | 56.4%+5.1pp | 67.5%-6.0pp | 67.6%-6.2pp |
| Annual return | 7.79% | 21.66%-13.9pp | 66.47%-58.7pp | 35.62%-27.8pp |
| Employer contribution / active EE | $1,097 | $1,799-39.0% | $2,728-59.8% | $2,756-60.2% |
| Participant deferral / active EE | $3,818 | $3,112+22.7% | $4,522-15.6% | $4,297-11.1% |
| Admin fee / account holder | $718 | $4,986-85.6% | $6,153-88.3% | $6,935-89.6% |