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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS2 years Service code 27 · EIN 39-1828175 | Advisory (Plan) | $29,307 |
THE VANGUARD GROUP, INC.3 years Service code 15 · EIN 23-1945930 | Recordkeeping | $13,363 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,895 | $91,537-14.9% | $130,045-40.1% | $75,173+3.6% |
| Participation rate | 94.1% | 71.5%+22.7pp | 78.5%+15.6pp | 67.2%+26.9pp |
| Annual return | 15.97% | -631.55%+647.5pp | -137.30%+153.3pp | 160.72%-144.7pp |
| Employer contribution / active EE | $2,628 | $2,845-7.6% | $4,321-39.2% | $2,671-1.6% |
| Participant deferral / active EE | $7,756 | $4,343+78.6% | $5,820+33.3% | $4,126+88.0% |
| Admin fee / account holder | $395 | $6,780-94.2% | $10,600-96.3% | $5,651-93.0% |