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| Provider | Service type | Compensation |
|---|---|---|
ABBEY STREET LLC3 years Service code 27 · EIN 82-4772597 | Advisory (Plan) | $68,430 |
Service code 37 · EIN 04-2647786 | Loan Processing | $47,625 |
Filed as: OLSEN THIELEN & CO. LTD. Service code 10 · EIN 41-1360831 | Accounting | $16,500 |
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 | $97,838 | $93,010+5.2% | $96,538+1.3% | $74,473+31.4% |
| Participation rate | 72.4% | 71.6%+0.9pp | 74.3%-1.9pp | 70.7%+1.7pp |
| Annual return | 12.87% | 37.50%-24.6pp | 35.74%-22.9pp | 34.36%-21.5pp |
| Employer contribution / active EE | $2,945 | $3,427-14.1% | $3,740-21.3% | $2,638+11.6% |
| Participant deferral / active EE | $5,635 | $3,971+41.9% | $4,880+15.5% | $4,530+24.4% |
| Admin fee / account holder | $376 | $633-40.7% | $6,737-94.4% | $347+8.2% |