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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAMBRIDGE INVESTEMENT RESEARCH ADVI Service code 27 · EIN 39-1897480 | Advisory (Plan) | $57,677 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $24,401 |
Filed as: ACTUARIAL PENSION ANALYSTS INC Service code 15 · EIN 16-1316349 6323 FLY ROAD · EAST SYRACUSE, NY 13057 | Recordkeeping | $1,525 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,256 | $73,459+7.9% | $178,528-55.6% | $74,429+6.5% |
| Participation rate | 81.8% | 66.5%+15.3pp | 77.1%+4.7pp | 67.2%+14.6pp |
| Annual return | 13.48% | 17.50%-4.0pp | 27.11%-13.6pp | 1368.38%-1354.9pp |
| Employer contribution / active EE | $6 | $2,219-99.7% | $3,950-99.8% | $2,625-99.8% |
| Participant deferral / active EE | $7,270 | $4,515+61.0% | $6,278+15.8% | $4,348+67.2% |
| Admin fee / account holder | $558 | $1,812-69.2% | $10,419-94.6% | $1,944-71.3% |