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| Provider | Service type | Compensation |
|---|---|---|
ARGI INVESTMENT SERVICES LLC5 years Service code 27 · EIN 27-1003080 | Advisory (Plan) | $27,513 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,597 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $68,540 | $84,493-18.9% | $125,381-45.3% | $66,938+2.4% |
| Participation rate | 69.4% | 76.4%-7.0pp | 82.4%-13.0pp | 69.8%-0.4pp |
| Annual return | -16.29% | -8.49%-7.8pp | 572.31%-588.6pp | 1.58%-17.9pp |
| Employer contribution / active EE | $2,928 | $3,554-17.6% | $4,815-39.2% | $2,545+15.0% |
| Participant deferral / active EE | $5,737 | $6,783-15.4% | $7,448-23.0% | $4,238+35.4% |
| Admin fee / account holder | $405 | $685-40.8% | $10,007-95.9% | $594-31.7% |