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| Provider | Service type | Compensation |
|---|---|---|
TRI-STAR TRUST BANK9+ years Filed as: TRI STAR TRUST BANK Service code 10 200 E. MAIN ST · MIDLAND, MI 48640 | Accounting | $51,352 |
NEWPORT GROUP, INC.8 years Service code 15 · EIN 27-2037969 | Recordkeeping | $36,523 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,032 | $91,394+6.2% | $130,026-25.4% | $74,440+30.3% |
| Participation rate | 58.5% | 77.8%-19.3pp | 78.5%-20.0pp | 70.7%-12.2pp |
| Annual return | 16.90% | 23.20%-6.3pp | -137.26%+154.2pp | 34.37%-17.5pp |
| Employer contribution / active EE | $1,219 | $2,565-52.5% | $4,321-71.8% | $2,638-53.8% |
| Participant deferral / active EE | $2,883 | $4,721-38.9% | $5,821-50.5% | $4,529-36.3% |
| Admin fee / account holder | $383 | $284+34.9% | $10,608-96.4% | $348+10.0% |