Filed December 7, 2023
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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 86-0588303 | Advisory (Plan) | $39,525 |
Service code 37 · EIN 04-2647786 | Loan Processing | $24,322 |
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.
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 | $94,272 | $77,901+21.0% | $149,717-37.0% | $75,181+25.4% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 12.53% | 31.73%-19.2pp | 134.41%-121.9pp | 160.69%-148.2pp |
| Employer contribution / active EE | $2,719 | $3,137-13.3% | $4,820-43.6% | $2,671+1.8% |
| Participant deferral / active EE | $5,770 | $3,411+69.2% | $5,682+1.6% | $4,126+39.9% |
| Admin fee / account holder | $503 | $5,949-91.5% | $13,213-96.2% | $5,650-91.1% |