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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRUDENTIAL RETIREMENT INS & ANNUITY Service code 13 · EIN 06-1050034 | Contract Administrator | $100,769 |
COMMONWEALTH FINANCIAL NETWORK3+ years Service code 33 · EIN 04-2675571 | Other fees; Securities brokerage | $53,096 |
SUMMIT FINANCIAL CORPORATION4+ years Service code 13 · EIN 04-3222046 700 DISTRICT AVENUE · BURLINGTON, MA 01803 | Contract Administrator | $11,995 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,997 | $64,286-33.1% | $106,387-59.6% | $55,725-22.8% |
| Participation rate | 57.6% | 75.2%-17.6pp | 77.5%-19.8pp | 70.9%-13.2pp |
| Annual return | -4.47% | 0.84%-5.3pp | 0.25%-4.7pp | 244.93%-249.4pp |
| Employer contribution / active EE | $108 | $2,367-95.4% | $3,520-96.9% | $2,078-94.8% |
| Participant deferral / active EE | $2,994 | $4,158-28.0% | $5,421-44.8% | $3,356-10.8% |
| Admin fee / account holder | $301 | $102+193.8% | $7,510-96.0% | $115+161.0% |