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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH1+ years Service code 26 · EIN 42-1445429 | Advisory (Participants) | $28,942 |
Service code 10 · EIN 32-0169227 | Accounting | $7,614 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,888 | $53,412-51.5% | $68,509-62.2% | $52,331-50.5% |
| Participation rate | 66.7% | 71.7%-5.0pp | 74.7%-8.1pp | 68.1%-1.4pp |
| Annual return | -2.53% | 3.42%-6.0pp | 8.27%-10.8pp | 4.54%-7.1pp |
| Employer contribution / active EE | $576 | $1,607-64.2% | $2,278-74.7% | $1,882-69.4% |
| Participant deferral / active EE | $2,247 | $2,688-16.4% | $3,382-33.6% | $3,022-25.6% |
| Admin fee / account holder | $325 | $461-29.5% | $5,275-93.8% | $592-45.1% |