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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS5 years Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 20-5916766 | Recordkeeping | $34,360 |
SENTINEL PENSION ADVISORS5 years Service code 26 · EIN 04-3422848 | Advisory (Participants) | $20,000 |
Filed as: FIDELITY PERSONAL TRUST COMPANY Service code 19 2 CONTRA WAY · MERRIMACK, NH 03054 | Securities Custodian | $5,979 |
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.
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 | $88,025 | $100,061-12.0% | $120,344-26.9% | $64,728+36.0% |
| Participation rate | 62.4% | 79.8%-17.5pp | 76.7%-14.4pp | 57.9%+4.5pp |
| Annual return | 12.15% | 16.53%-4.4pp | 20.30%-8.2pp | 49.38%-37.2pp |
| Employer contribution / active EE | $0 | $3,112-100.0% | $3,020-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $1,984 | $4,955-60.0% | $5,135-61.4% | $2,729-27.3% |
| Admin fee / account holder | $306 | $428-28.5% | $12,742-97.6% | $1,145-73.3% |