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| Provider | Service type | Compensation |
|---|---|---|
RPA FINANCIAL LLC4 years Service code 27 · EIN 83-1143379 | Advisory (Plan) | $39,366 |
Service code 37 · EIN 04-2647786 | Loan Processing | $20,822 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,941 | $79,184+46.4% | $102,438+13.2% | $74,546+55.5% |
| Participation rate | 87.1% | 74.8%+12.4pp | 76.5%+10.6pp | 67.2%+19.9pp |
| Annual return | 13.22% | 54.95%-41.7pp | 29.37%-16.1pp | 1366.03%-1352.8pp |
| Employer contribution / active EE | $2,924 | $2,362+23.8% | $3,024-3.3% | $2,624+11.4% |
| Participant deferral / active EE | $6,375 | $4,414+44.4% | $5,054+26.1% | $4,347+46.6% |
| Admin fee / account holder | $352 | $2,001-82.4% | $9,448-96.3% | $1,944-81.9% |