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| Provider | Service type | Compensation |
|---|---|---|
FID INV INST OPS CO5 years Service code 12 · EIN 04-2647786 | Sub-transfer agency fees; Recordkeepi... | $165,031 |
STRATEGIC ADVISORS, INC.5 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $73,871 |
PLANTE & MORAN, PLLC10+ years Service code 10 · EIN 33-1498605 | Accounting | $30,200 |
MERCER5 years Service code 16 · EIN 13-2834414 | Consulting | $8,305 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $88,507 | $73,283+20.8% | $155,556-43.1% | $106,553-16.9% |
| Participation rate | 49.4% | 73.3%-23.9pp | 78.2%-28.8pp | 69.8%-20.4pp |
| Annual return | 16.89% | 15.76%+1.1pp | 64.84%-47.9pp | 17.37%-0.5pp |
| Employer contribution / active EE | $1,053 | $2,241-53.0% | $4,675-77.5% | $3,359-68.6% |
| Participant deferral / active EE | $1,140 | $4,567-75.0% | $5,631-79.7% | $5,562-79.5% |
| Admin fee / account holder | $46 | $56-17.2% | $15,885-99.7% | $80-41.8% |