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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BURNHAM GIBSON WEALTH ADVISORS LLC Service code 27 · EIN 47-5476782 | Advisory (Plan) | $23,286 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,612 |
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 | $43,614 | $51,223-14.9% | $82,763-47.3% | $66,949-34.9% |
| Participation rate | 44.1% | 67.9%-23.8pp | 72.6%-28.4pp | 69.8%-25.7pp |
| Annual return | -16.01% | -9.85%-6.2pp | 702.45%-718.5pp | 1.57%-17.6pp |
| Employer contribution / active EE | $398 | $2,611-84.7% | $3,008-86.8% | $2,545-84.4% |
| Participant deferral / active EE | $2,696 | $3,460-22.1% | $4,395-38.7% | $4,239-36.4% |
| Admin fee / account holder | $512 | $415+23.1% | $5,325-90.4% | $594-13.8% |