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| Provider | Service type | Compensation |
|---|---|---|
GOLDMAN SACHS3 years Filed as: UNITED CAPITAL FINANCIAL ADVISERS Service code 27 · EIN 27-0493248 | Advisory (Plan) | $39,967 |
Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $30,426 |
Service code 10 · EIN 42-1394940 | Accounting | $10,500 |
STRATEGIC ADVISORS, INC.2 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $6,137 |
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 | $98,455 | $64,176+53.4% | $112,263-12.3% | $66,949+47.1% |
| Participation rate | 98.2% | 68.4%+29.8pp | 75.1%+23.2pp | 69.8%+28.4pp |
| Annual return | -17.37% | -13.80%-3.6pp | 27.49%-44.9pp | 1.57%-18.9pp |
| Employer contribution / active EE | $5,116 | $3,007+70.1% | $3,636+40.7% | $2,545+101.0% |
| Participant deferral / active EE | $8,664 | $3,694+134.6% | $4,729+83.2% | $4,239+104.4% |
| Admin fee / account holder | $667 | $626+6.6% | $6,410-89.6% | $594+12.4% |