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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAMBRIDGE INVESTEMENT RESEARCH ADVI Service code 27 · EIN 39-1897480 | Advisory (Plan) | $50,408 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $21,307 |
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 | $66,553 | $65,390+1.8% | $169,385-60.7% | $71,495-6.9% |
| Participation rate | 78.3% | 67.0%+11.4pp | 77.2%+1.2pp | 67.9%+10.4pp |
| Annual return | 16.20% | 21.31%-5.1pp | 405.82%-389.6pp | 28.85%-12.7pp |
| Employer contribution / active EE | $0 | $2,079-100.0% | $4,012-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $6,003 | $4,367+37.5% | $6,221-3.5% | $4,291+39.9% |
| Admin fee / account holder | $447 | $1,324-66.3% | $9,011-95.0% | $1,588-71.9% |