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| Provider | Service type | Compensation |
|---|---|---|
MONARCH PLAN ADVISORS2 years Filed as: MONARCH CORPORATE ADVISORS, INCL Service code 27 40 W. EAST STREET, #4 · SIMI VALLEY, CA 93065 | Advisory (Plan) | $13,443 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: JP MORGAN INVEST HOLDINGS LLC Service code 64 · EIN 13-4166989 | Recordkeeping Fees | $6,632 |
TRUOG-RYDING COMPANY, INC.2 years Filed as: TRUOG-RYDING COMPANY INC Service code 13 · EIN 95-3497679 2659 TOWNSGATE ROAD, #101 · WESTLAKE VILLAGE, CA 91361 | Contract Administrator | $5,555 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $57,588 | $86,288-33.3% | $111,306-48.3% | $85,851-32.9% |
| Participation rate | 48.4% | 73.3%-24.9pp | 77.3%-28.9pp | 69.3%-20.9pp |
| Annual return | 18.59% | 19.99%-1.4pp | 54.67%-36.1pp | 318.63%-300.0pp |
| Employer contribution / active EE | $430 | $2,044-78.9% | $2,732-84.3% | $2,565-83.2% |
| Participant deferral / active EE | $2,420 | $3,641-33.5% | $4,488-46.1% | $3,952-38.8% |
| Admin fee / account holder | $455 | $8,189-94.4% | $7,966-94.3% | $6,261-92.7% |