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| Provider | Service type | Compensation |
|---|---|---|
UMR1 year Filed as: OPTUM RX, INC. Service code 12 · EIN 33-0441200 | Other fees; Float revenue; Direct pay... | $239,681 |
UMR1 year Filed as: UMR, INC. Service code 12 · EIN 39-1995276 | Claims processing | $68,846 |
GREGORY & APPEL INC1 year Service code 55 · EIN 35-0353300 1402 N CAPITOL AVE · INDIANAPOLIS, IN 46202 | Other Commissions | $42,526 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,146 |
Filed as: MORGAN STANLEY GLOBAL BANKING Service code 26 · EIN 26-4310632 | Advisory (Participants) | $8,163 |
Service code 27 · EIN 35-1729164 | Advisory (Plan) | $6,391 |
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.)
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 | $54,249 | $65,378-17.0% | $87,103-37.7% | $65,186-16.8% |
| Participation rate | 45.1% | 75.3%-30.2pp | 76.9%-31.8pp | 70.2%-25.1pp |
| Annual return | 3.18% | 31.28%-28.1pp | 28.19%-25.0pp | 29.39%-26.2pp |
| Employer contribution / active EE | $0 | $1,823-100.0% | $2,521-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,840 | $3,389-45.7% | $4,049-54.5% | $3,514-47.6% |
| Admin fee / account holder | $360 | $520-30.7% | $7,491-95.2% | $847-57.5% |