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| Provider | Service type | Compensation |
|---|---|---|
WELLSPRING FINANCIAL PARTNERS7+ years Service code 27 · EIN 45-2984270 | Advisory (Plan) | $74,860 |
Service code 37 · EIN 04-2647786 | Loan Processing | $15,922 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $219,941 | $102,661+114.2% | $151,639+45.0% | $66,938+228.6% |
| Participation rate | 70.1% | 85.5%-15.5pp | 87.5%-17.4pp | 69.8%+0.3pp |
| Annual return | -18.45% | -10.81%-7.6pp | 3.34%-21.8pp | 1.58%-20.0pp |
| Employer contribution / active EE | $3,205 | $4,184-23.4% | $6,165-48.0% | $2,545+25.9% |
| Participant deferral / active EE | $15,769 | $6,645+137.3% | $8,363+88.6% | $4,238+272.1% |
| Admin fee / account holder | $609 | $630-3.4% | $11,613-94.8% | $594+2.6% |