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| Provider | Service type | Compensation |
|---|---|---|
ARGI INVESTMENT SERVICES LLC6 years Service code 27 · EIN 27-1003080 | Advisory (Plan) | $19,832 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,373 |
Filed as: CERITY PARTNERS RETIREMENT PLAN Service code 27 · EIN 35-2467663 | Advisory (Plan) | $7,288 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,340 | $91,424-9.9% | $135,942-39.4% | $71,495+15.2% |
| Participation rate | 68.3% | 75.7%-7.4pp | 81.9%-13.6pp | 67.9%+0.4pp |
| Annual return | 15.22% | 29.90%-14.7pp | 68.28%-53.1pp | 28.85%-13.6pp |
| Employer contribution / active EE | $2,883 | $3,704-22.2% | $4,858-40.6% | $2,589+11.3% |
| Participant deferral / active EE | $5,302 | $7,092-25.2% | $7,759-31.7% | $4,291+23.6% |
| Admin fee / account holder | $379 | $1,266-70.1% | $10,764-96.5% | $1,588-76.1% |