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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.1+ years Filed as: UNIFIED TRUST COMPANY Service code 64 · EIN 61-1256314 2353 ALEXANDIRAN DRIVE, SUITE 100 · LEXINGTON, KY 40504 | Recordkeeping Fees | $57,753 |
Filed as: NORTHWESTERN MUTUAL Service code 55 | Other Commissions | $38,331 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,128 | $118,877+0.2% | $96,570+23.4% | $167,536-28.9% |
| Participation rate | 84.2% | 75.5%+8.7pp | 69.8%+14.4pp | 82.1%+2.1pp |
| Annual return | 7.57% | 50.50%-42.9pp | 37.79%-30.2pp | 478.82%-471.2pp |
| Employer contribution / active EE | $4,691 | $3,121+50.3% | $2,357+99.0% | $4,839-3.1% |
| Participant deferral / active EE | $10,823 | $4,617+134.4% | $3,849+181.2% | $6,342+70.7% |
| Admin fee / account holder | $1,016 | $8,069-87.4% | $6,182-83.6% | $12,315-91.7% |