Filed November 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH4+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $31,563 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,556 |
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 | $45,496 | $37,591+21.0% | $90,657-49.8% | $55,725-18.4% |
| Participation rate | 39.0% | 66.4%-27.4pp | 74.0%-35.1pp | 70.9%-31.9pp |
| Annual return | -2.63% | -3.20%+0.6pp | 1.89%-4.5pp | 244.93%-247.6pp |
| Employer contribution / active EE | $1,424 | $1,302+9.4% | $2,532-43.7% | $2,078-31.5% |
| Participant deferral / active EE | $2,600 | $2,643-1.6% | $3,424-24.1% | $3,356-22.5% |
| Admin fee / account holder | $171 | $100+71.5% | $4,994-96.6% | $115+48.9% |