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| Provider | Service type | Compensation |
|---|---|---|
STIFEL NICOLAUS & CO INC3 years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $35,654 |
Service code 37 · EIN 04-2647786 | Loan Processing | $15,391 |
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.)
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 | $113,178 | $54,717+106.8% | $86,209+31.3% | $71,495+58.3% |
| Participation rate | 64.8% | 60.1%+4.7pp | 69.0%-4.1pp | 67.9%-3.1pp |
| Annual return | 7.50% | 20.07%-12.6pp | 1169.05%-1161.6pp | 28.85%-21.4pp |
| Employer contribution / active EE | $1,029 | $1,267-18.8% | $2,381-56.8% | $2,589-60.3% |
| Participant deferral / active EE | $5,471 | $3,110+75.9% | $3,986+37.3% | $4,291+27.5% |
| Admin fee / account holder | $439 | $1,922-77.2% | $6,853-93.6% | $1,588-72.4% |