Filed November 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH2+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $21,082 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,144 |
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 | $41,205 | $57,103-27.8% | $87,502-52.9% | $57,658-28.5% |
| Participation rate | 36.0% | 64.3%-28.3pp | 73.8%-37.8pp | 70.2%-34.2pp |
| Annual return | 10.14% | 12.71%-2.6pp | 12.21%-2.1pp | 5.13%+5.0pp |
| Employer contribution / active EE | $1,123 | $1,107+1.4% | $2,550-56.0% | $1,974-43.1% |
| Participant deferral / active EE | $2,114 | $2,250-6.0% | $3,149-32.9% | $3,061-30.9% |
| Admin fee / account holder | $137 | $281-51.4% | $4,221-96.8% | $95+44.5% |