Filed February 11, 2019
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| Provider | Service type | Compensation |
|---|---|---|
THE WATERFORD GROUP LLC7 years Service code 27 · EIN 80-0675279 | Advisory (Plan) | $58,912 |
Service code 37 · EIN 04-2647786 | Loan Processing | $30,676 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported that benefits due were not provided when due.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,692 | $122,051-11.8% | $184,185-41.5% | $74,400+44.7% |
| Participation rate | 100.0% | 85.5%+14.5pp | 86.8%+13.2pp | 67.2%+32.8pp |
| Annual return | 17.89% | 19.91%-2.0pp | 28.81%-10.9pp | 1367.51%-1349.6pp |
| Employer contribution / active EE | $4,229 | $4,539-6.8% | $6,426-34.2% | $2,624+61.1% |
| Participant deferral / active EE | $10,015 | $7,146+40.2% | $9,132+9.7% | $4,348+130.3% |
| Admin fee / account holder | $435 | $1,258-65.4% | $13,909-96.9% | $1,944-77.6% |