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| Provider | Service type | Compensation |
|---|---|---|
SHAFFER CAPITAL ADVISERS, LLC4+ years Service code 28 · EIN 26-4439430 550 POLARIS PARKWAY · WESTERVILLE, OH 43082 | Investment Management | $75,706 |
ASPIRE FINANCIAL SERVICES4+ years Filed as: ASPIRE Service code 15 · EIN 27-1033755 | Recordkeeping | $22,385 |
EPIC RETIREMENT PLAN SERVICES4+ years Filed as: UNITED RETIREMENT PLAN CONSULTANTS Service code 14 545 METRO PLACE SOUTH · DUBLIN, OH 43017 | Plan Administrator | $7,243 |
TD AMERITRADE, INC.4+ years Filed as: TD AMERITRADE TRUST COMPANY Service code 18 · EIN 20-0937408 | Custodial (securities); Trustee (dire... | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $80,236 | $65,223+23.0% | $80,022+0.3% | $55,725+44.0% |
| Participation rate | 40.6% | 80.6%-39.9pp | 75.8%-35.2pp | 70.9%-30.2pp |
| Annual return | -10.21% | 7.59%-17.8pp | 11.22%-21.4pp | 244.93%-255.1pp |
| Employer contribution / active EE | $1,125 | $2,544-55.8% | $2,468-54.4% | $2,078-45.9% |
| Participant deferral / active EE | $2,451 | $3,881-36.8% | $3,686-33.5% | $3,356-26.9% |
| Admin fee / account holder | $386 | $114+237.8% | $6,521-94.1% | $115+235.0% |