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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES5 years Service code 27 12555 MANCHESTER RD · ST LOUIS, MO 63131 | Advisory (Plan) | $26,304 |
LUTZ & COMPANY, PC4 years Service code 10 · EIN 47-0625816 | Accounting | $11,500 |
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $2,562 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $87,070 | $79,184+10.0% | $102,438-15.0% | $74,546+16.8% |
| Participation rate | 89.2% | 74.8%+14.4pp | 76.5%+12.7pp | 67.2%+22.0pp |
| Annual return | 14.91% | 54.95%-40.0pp | 29.37%-14.5pp | 1366.03%-1351.1pp |
| Employer contribution / active EE | $2,747 | $2,362+16.3% | $3,024-9.2% | $2,624+4.7% |
| Participant deferral / active EE | $3,601 | $4,414-18.4% | $5,054-28.7% | $4,347-17.2% |
| Admin fee / account holder | $328 | $2,001-83.6% | $9,448-96.5% | $1,944-83.1% |