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| Provider | Service type | Compensation |
|---|---|---|
CLIFTONLARSONALLEN LLP2 years Service code 10 · EIN 41-0746749 2875 MICHELLE DRIVE #300 · IRVINE, CA 92606 | Accounting | $17,745 |
PENSION ASSURANCE LLP2 years Filed as: PENSION BENEFITS UNLIMITED, INC. Service code 13 · EIN 33-0499726 18008 SKY PARK CIRCLE, SUITE 200 · IRVINE, CA 92614 | Contract Administrator | $13,175 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,901 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,980 | $58,312-69.2% | $86,656-79.3% | $71,529-74.9% |
| Participation rate | 62.6% | 65.0%-2.4pp | 71.7%-9.1pp | 67.9%-5.3pp |
| Annual return | 7.58% | 24.08%-16.5pp | 593.09%-585.5pp | 28.97%-21.4pp |
| Employer contribution / active EE | $1,239 | $2,576-51.9% | $3,025-59.1% | $2,590-52.2% |
| Participant deferral / active EE | $1,585 | $3,439-53.9% | $4,439-64.3% | $4,291-63.1% |
| Admin fee / account holder | $303 | $1,057-71.3% | $5,619-94.6% | $1,588-80.9% |