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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 71-0294708 | Recordkeeping | $58,512 |
Filed as: COMMONWEALTH EQUITY SERVICES Service code 99 · EIN 04-2675571 | Other Fees | $18,958 |
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 | $43,557 | $65,453-33.5% | $86,691-49.8% | $66,930-34.9% |
| Participation rate | 88.2% | 75.5%+12.7pp | 76.6%+11.6pp | 69.8%+18.4pp |
| Annual return | -18.14% | -10.89%-7.2pp | 35.94%-54.1pp | 1.57%-19.7pp |
| Employer contribution / active EE | $1,109 | $2,154-48.5% | $2,837-60.9% | $2,545-56.4% |
| Participant deferral / active EE | $2,851 | $4,102-30.5% | $4,656-38.8% | $4,238-32.7% |
| Admin fee / account holder | $347 | $642-46.0% | $7,492-95.4% | $593-41.6% |