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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH10+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $69,001 |
Service code 37 · EIN 04-2647786 | Loan Processing | $38,604 |
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 | $174,469 | $79,184+120.3% | $102,438+70.3% | $74,546+134.0% |
| Participation rate | 96.0% | 74.8%+21.2pp | 76.5%+19.5pp | 67.2%+28.8pp |
| Annual return | 19.67% | 54.95%-35.3pp | 29.37%-9.7pp | 1366.03%-1346.4pp |
| Employer contribution / active EE | $4,588 | $2,362+94.2% | $3,024+51.7% | $2,624+74.8% |
| Participant deferral / active EE | $12,188 | $4,414+176.1% | $5,054+141.2% | $4,347+180.4% |
| Admin fee / account holder | $472 | $2,001-76.4% | $9,448-95.0% | $1,944-75.7% |