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| Provider | Service type | Compensation |
|---|---|---|
MARCUM LLP1 year Service code 10 · EIN 11-1986323 | Accounting | $14,550 |
MMA SECURITIES LLC1 year Service code 27 · EIN 22-3570392 | Advisory (Plan) | $10,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$84,171 |
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $63,971 | $82,163-22.1% | $125,381-49.0% | $64,819-1.3% |
| Participation rate | 95.1% | 77.9%+17.3pp | 82.4%+12.8pp | 71.5%+23.7pp |
| Annual return | -17.72% | 3.49%-21.2pp | 572.31%-590.0pp | 32.84%-50.6pp |
| Employer contribution / active EE | $3,472 | $3,616-4.0% | $4,815-27.9% | $2,507+38.5% |
| Participant deferral / active EE | $11,676 | $7,175+62.7% | $7,448+56.8% | $4,311+170.8% |
| Admin fee / account holder | -$65 | $163-139.6% | $10,007-100.6% | $188-134.4% |