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| Provider | Service type | Compensation |
|---|---|---|
GOLDMAN SACHS2+ years Filed as: UNITED CAPITAL FIN. ADVISORS Service code 26 · EIN 27-0493248 620 NEWPORT CENTER DRIVE · NEWPORT BEACH, CA 92660 | Advisory (Participants) | $17,638 |
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $740 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $43,222 | $65,376-33.9% | $87,104-50.4% | $65,185-33.7% |
| Participation rate | 66.7% | 75.3%-8.7pp | 76.9%-10.2pp | 70.2%-3.5pp |
| Annual return | 20.11% | 31.27%-11.2pp | 28.19%-8.1pp | 29.38%-9.3pp |
| Employer contribution / active EE | $307 | $1,822-83.1% | $2,521-87.8% | $2,177-85.9% |
| Participant deferral / active EE | $2,323 | $3,388-31.4% | $4,048-42.6% | $3,514-33.9% |
| Admin fee / account holder | $318 | $520-38.9% | $7,491-95.8% | $847-62.5% |