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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS3 years Service code 27 · EIN 04-3422848 | Advisory (Plan) | $23,920 |
SENTINEL PENSION ADVISORS3 years Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 20-5916766 | Recordkeeping | $18,720 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,024 | $79,181-11.6% | $102,423-31.6% | $74,429-5.9% |
| Participation rate | 89.6% | 74.8%+14.8pp | 76.5%+13.1pp | 67.2%+22.4pp |
| Annual return | 16.81% | 54.97%-38.2pp | 29.42%-12.6pp | 1368.38%-1351.6pp |
| Employer contribution / active EE | $1,474 | $2,362-37.6% | $3,023-51.2% | $2,625-43.8% |
| Participant deferral / active EE | $4,812 | $4,416+9.0% | $5,054-4.8% | $4,348+10.7% |
| Admin fee / account holder | $358 | $2,002-82.1% | $9,455-96.2% | $1,944-81.6% |