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| Provider | Service type | Compensation |
|---|---|---|
PENTEGRA SERVICES, INC.4 years Filed as: PENTEGRA RETIREMENT Service code 13 701 WINCHESTER AVE · WHITE PLAINS, NY 10604 | Contract Administrator | $6,046 |
Service code 27 29 SAWYER RD., ONE · WALTHAM, MA 02453 | Advisory (Plan) | $4,785 |
ASCENSUS LLC4 years Service code 64 · EIN 11-3665754 | Recordkeeping Fees | $4,473 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,136 | $27,800+12.0% | $58,507-46.8% | $71,529-56.5% |
| Participation rate | 17.5% | 34.6%-17.1pp | 50.9%-33.3pp | 67.9%-50.4pp |
| Annual return | -7.79% | 26.80%-34.6pp | 4252.32%-4260.1pp | 28.97%-36.8pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $346 | $1,208-71.3% | $1,922-82.0% | $4,291-91.9% |
| Admin fee / account holder | $619 | $1,637-62.2% | $2,486-75.1% | $1,588-61.1% |