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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $53,793 |
CENTAURUS FINANCIAL INC3 years Filed as: CENTAURUS FINANCIAL, INC. Service code 49 · EIN 33-0530236 | Other Services | $21,622 |
PENTEGRA SERVICES, INC.2 years Filed as: PENTEGRA SERVICES INC Service code 13 · EIN 13-3745616 | Contract Administrator | $5,673 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $51,718 | $101,653-49.1% | $147,080-64.8% | $74,459-30.5% |
| Participation rate | 71.4% | 75.6%-4.1pp | 82.2%-10.8pp | 67.2%+4.2pp |
| Annual return | 12.84% | 8754.98%-8742.1pp | 420.17%-407.3pp | 1369.70%-1356.9pp |
| Employer contribution / active EE | $2,394 | $3,813-37.2% | $4,933-51.5% | $2,626-8.8% |
| Participant deferral / active EE | $6,899 | $7,304-5.5% | $8,066-14.5% | $4,350+58.6% |
| Admin fee / account holder | $389 | $1,752-77.8% | $12,989-97.0% | $1,945-80.0% |