Filed November 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH1+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $17,526 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,431 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $37,146 | $34,492+7.7% | $80,004-53.6% | $55,191-32.7% |
| Participation rate | 34.4% | 62.9%-28.4pp | 73.0%-38.6pp | 69.2%-34.7pp |
| Annual return | 1.56% | 3.50%-1.9pp | 7.63%-6.1pp | 10.78%-9.2pp |
| Employer contribution / active EE | $1,061 | $1,043+1.7% | $2,473-57.1% | $1,899-44.1% |
| Participant deferral / active EE | $1,879 | $2,104-10.7% | $3,204-41.3% | $3,046-38.3% |
| Admin fee / account holder | $126 | $69+82.2% | $5,033-97.5% | $91+39.2% |