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| Provider | Service type | Compensation |
|---|---|---|
STIFEL NICOLAUS & CO INC2 years Service code 27 · EIN 43-0538770 | Advisory (Plan) | $32,310 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,934 |
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.)
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 | $118,224 | $49,451+139.1% | $79,580+48.6% | $66,938+76.6% |
| Participation rate | 65.9% | 61.3%+4.6pp | 69.5%-3.6pp | 69.8%-3.9pp |
| Annual return | -11.53% | 84.25%-95.8pp | 0.15%-11.7pp | 1.58%-13.1pp |
| Employer contribution / active EE | $1,233 | $1,266-2.6% | $2,413-48.9% | $2,545-51.6% |
| Participant deferral / active EE | $5,362 | $3,159+69.8% | $3,985+34.5% | $4,238+26.5% |
| Admin fee / account holder | $436 | $595-26.7% | $6,835-93.6% | $594-26.5% |