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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $33,056 |
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $27,296 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $144,159 | $102,661+40.4% | $151,639-4.9% | $66,938+115.4% |
| Participation rate | 84.8% | 85.5%-0.7pp | 87.5%-2.7pp | 69.8%+15.0pp |
| Annual return | -19.52% | -10.81%-8.7pp | 3.34%-22.9pp | 1.58%-21.1pp |
| Employer contribution / active EE | $2,514 | $4,184-39.9% | $6,165-59.2% | $2,545-1.2% |
| Participant deferral / active EE | $12,918 | $6,645+94.4% | $8,363+54.5% | $4,238+204.8% |
| Admin fee / account holder | $447 | $630-29.1% | $11,613-96.2% | $594-24.7% |