| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.7+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $1,134,458 |
THE VANGUARD GROUP, INC.1 year Filed as: VANGUARD ADVISERS INC. Service code 26 · EIN 23-2811930 | Advisory (Participants) | $1,015,136 |
Filed as: LOCKTON INVEST ADVISORS, LLC Service code 16 · EIN 20-8874282 | Consulting | $143,333 |
Service code 10 · EIN 43-1947695 | Accounting | $46,452 |
BAILEY AND LUMB PC1 year Filed as: BAILEY & LUMB PC Service code 16 · EIN 46-0536663 | Consulting | $13,530 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $163,009 | $107,662+51.4% | $159,495+2.2% | $106,520+53.0% |
| Participation rate | 69.6% | 69.4%+0.2pp | 82.8%-13.3pp | 71.3%-1.8pp |
| Annual return | 13.83% | 22.17%-8.3pp | 263.72%-249.9pp | 19.28%-5.5pp |
| Employer contribution / active EE | $2,984 | $2,741+8.9% | $4,831-38.2% | $2,840+5.1% |
| Participant deferral / active EE | $7,783 | $6,799+14.5% | $7,354+5.8% | $4,948+57.3% |
| Admin fee / account holder | $73 | $69+5.9% | $10,804-99.3% | $75-2.6% |