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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,430 |
Service code 26 · EIN 04-2675571 | Advisory (Participants) | $2,271 |
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 | $41,922 | $51,283-18.3% | $95,740-56.2% | $71,511-41.4% |
| Participation rate | 72.0% | 63.1%+8.9pp | 72.3%-0.3pp | 67.9%+4.1pp |
| Annual return | 13.91% | 25.25%-11.3pp | 28.41%-14.5pp | 28.86%-14.9pp |
| Employer contribution / active EE | $767 | $1,817-57.8% | $2,836-72.9% | $2,589-70.4% |
| Participant deferral / active EE | $1,912 | $3,365-43.2% | $4,244-54.9% | $4,291-55.4% |
| Admin fee / account holder | $311 | $1,135-72.6% | $5,676-94.5% | $1,588-80.4% |