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| Provider | Service type | Compensation |
|---|---|---|
NIXON PEABODY LLP2 years Service code 29 · EIN 16-0764720 | Legal | $24,393 |
LIPSCHULTZ, LEVIN & GRAY3 years Service code 10 · EIN 36-2260623 | Accounting | $10,750 |
LIPSCHULTZ, LEVIN & GRAY1 year Filed as: LIPSCHULTZ, LEVIN & GRAY LLC Service code 10 · EIN 36-2260623 | Accounting | $10,750 |
MORGAN STANLEY SMITH BARNEY4 years Service code 55 · EIN 26-4310632 | Other Commissions | $9,611 |
Service code 37 · EIN 04-2647786 | Loan Processing | $5,314 |
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.
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $38,394 | $91,517-58.0% | $101,271-62.1% | $73,412-47.7% |
| Participation rate | 21.9% | 73.8%-51.9pp | 75.8%-53.9pp | 72.2%-50.3pp |
| Annual return | 13.69% | 17.17%-3.5pp | 46.48%-32.8pp | 59.30%-45.6pp |
| Employer contribution / active EE | $0 | $2,877-100.0% | $3,660-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $910 | $3,338-72.8% | $4,371-79.2% | $3,806-76.1% |
| Admin fee / account holder | $617 | $216+185.8% | $5,948-89.6% | $158+290.7% |