Filed December 18, 2015
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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS4 years Service code 16 · EIN 04-3422848 | Consulting | $21,781 |
Filed as: SENTINEL BENEFIS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $15,828 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $87,900 | $83,090+5.8% | $130,062-32.4% | $71,529+22.9% |
| Participation rate | 87.3% | 74.1%+13.1pp | 78.5%+8.8pp | 67.9%+19.3pp |
| Annual return | 12.93% | 20.61%-7.7pp | -137.37%+150.3pp | 28.97%-16.0pp |
| Employer contribution / active EE | $1,367 | $2,624-47.9% | $4,322-68.4% | $2,590-47.2% |
| Participant deferral / active EE | $4,596 | $4,436+3.6% | $5,821-21.0% | $4,291+7.1% |
| Admin fee / account holder | $359 | $1,727-79.2% | $10,601-96.6% | $1,588-77.4% |