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| Provider | Service type | Compensation |
|---|---|---|
OXFORD FINANCIAL GROUP, LTD4 years Filed as: OXFORD FINANCIAL PARTNERS Service code 27 8044 MONTGOMERY ROAD · CINCINNATTI, OH 45236 | Advisory (Plan) | $27,970 |
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $14,463 |
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.
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 | $91,736 | $86,655+5.9% | $119,608-23.3% | $66,930+37.1% |
| Participation rate | 65.5% | 75.6%-10.1pp | 79.3%-13.8pp | 69.8%-4.3pp |
| Annual return | -19.18% | -8.00%-11.2pp | -14.98%-4.2pp | 1.57%-20.8pp |
| Employer contribution / active EE | $1,156 | $2,536-54.4% | $4,232-72.7% | $2,545-54.6% |
| Participant deferral / active EE | $4,371 | $4,358+0.3% | $5,601-22.0% | $4,238+3.1% |
| Admin fee / account holder | $525 | $755-30.5% | $10,326-94.9% | $593-11.6% |