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| Provider | Service type | Compensation |
|---|---|---|
CORNERSTONE WEALTH GROUP1 year Filed as: CORNERSTONE WEALTH ADVISORS INC Service code 27 · EIN 27-4371298 | Advisory (Plan) | $3,513 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,411 |
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401K ASSOCIATES Service code 15 · EIN 20-1184158 | Recordkeeping | $1,244 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,323 | $73,102-28.4% | $123,552-57.7% | $56,287-7.0% |
| Participation rate | 23.2% | 74.3%-51.1pp | 82.3%-59.1pp | 69.9%-46.6pp |
| Annual return | -7.84% | 3.01%-10.9pp | 119.20%-127.0pp | -9.96%+2.1pp |
| Employer contribution / active EE | $909 | $2,977-69.5% | $4,628-80.4% | $2,111-56.9% |
| Participant deferral / active EE | $1,991 | $5,423-63.3% | $6,426-69.0% | $3,350-40.6% |
| Admin fee / account holder | $382 | $554-31.0% | $9,285-95.9% | $521-26.6% |