Filed November 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH5+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $27,979 |
Service code 37 · EIN 04-2647786 | Loan Processing | $20,539 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $54,434 | $44,734+21.7% | $99,470-45.3% | $67,579-19.5% |
| Participation rate | 39.1% | 66.2%-27.1pp | 73.8%-34.7pp | 71.3%-32.2pp |
| Annual return | 22.23% | 32.45%-10.2pp | 30.72%-8.5pp | 378.56%-356.3pp |
| Employer contribution / active EE | $1,261 | $1,261+0.1% | $2,540-50.3% | $2,148-41.3% |
| Participant deferral / active EE | $2,384 | $2,731-12.7% | $3,619-34.1% | $3,539-32.6% |
| Admin fee / account holder | $226 | $120+88.6% | $6,252-96.4% | $142+58.6% |