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| Provider | Service type | Compensation |
|---|---|---|
TRI-STAR TRUST BANK2 years Service code 27 200 E. MAIN STREET · MIDLAND, MI 48640 | Advisory (Plan) | $90,162 |
NEWPORT GROUP, INC.2 years Service code 15 · EIN 27-2037969 | Recordkeeping | $64,267 |
NEWPORT GROUP, INC.2 years Filed as: NEWPORT TRUST COMPANY Service code 21 · EIN 27-4411131 | Bank Trustee | $12,805 |
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 | $60,920 | $52,188+16.7% | $86,640-29.7% | $74,460-18.2% |
| Participation rate | 66.1% | 66.3%-0.2pp | 71.7%-5.6pp | 70.7%-4.6pp |
| Annual return | 26.77% | 44.46%-17.7pp | 592.52%-565.7pp | 34.38%-7.6pp |
| Employer contribution / active EE | $1,645 | $2,282-27.9% | $3,024-45.6% | $2,638-37.7% |
| Participant deferral / active EE | $3,423 | $3,383+1.2% | $4,438-22.9% | $4,530-24.4% |
| Admin fee / account holder | $330 | $319+3.5% | $5,616-94.1% | $348-5.2% |