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| Provider | Service type | Compensation |
|---|---|---|
ASPIRE FINANCIAL SERVICES2+ years Filed as: ASPIRE Service code 15 · EIN 27-1033755 | Recordkeeping | $23,858 |
EPIC RETIREMENT PLAN SERVICES2+ years Filed as: UNITED RETIREMENT PLAN CONSULTANTS Service code 14 545 METRO PLACE SOUTH · DUBLIN, OH 43017 | Plan Administrator | $7,799 |
TD AMERITRADE, INC.2+ years Filed as: TD AMERITRADE TRUST COMPANY Service code 18 · EIN 20-0937408 | Custodial (securities); Trustee (bank... | $5,166 |
TEGRIT GROUP2+ years Service code 14 · EIN 26-2068982 | Plan Administrator | $495 |
SHAFFER CAPITAL ADVISERS, LLC2+ years Service code 28 · EIN 26-4439430 550 POLARIS PARKWAY · WESTERVILLE, OH 43082 | Investment Management | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,583 | $74,024-6.0% | $78,002-10.8% | $57,658+20.7% |
| Participation rate | 53.6% | 79.7%-26.1pp | 75.5%-21.9pp | 70.2%-16.6pp |
| Annual return | 6.54% | 12.14%-5.6pp | 425.99%-419.4pp | 5.13%+1.4pp |
| Employer contribution / active EE | $1,040 | $2,365-56.0% | $2,470-57.9% | $1,974-47.3% |
| Participant deferral / active EE | $2,299 | $3,533-34.9% | $3,497-34.3% | $3,061-24.9% |
| Admin fee / account holder | $393 | $93+321.6% | $5,481-92.8% | $95+315.7% |