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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 38-1787847 | Advisory (Plan) | $24,881 |
Service code 37 · EIN 04-2647786 | Loan Processing | $22,235 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,001 | $71,872+1.6% | $86,691-15.8% | $68,495+6.6% |
| Participation rate | 99.0% | 72.2%+26.7pp | 76.6%+22.4pp | 67.9%+31.1pp |
| Annual return | -20.22% | 3.53%-23.8pp | 35.94%-56.2pp | -7.84%-12.4pp |
| Employer contribution / active EE | $2,408 | $2,173+10.8% | $2,837-15.1% | $2,596-7.3% |
| Participant deferral / active EE | $6,760 | $3,779+78.9% | $4,656+45.2% | $4,028+67.8% |
| Admin fee / account holder | $405 | $6,112-93.4% | $7,492-94.6% | $5,403-92.5% |