Filed January 9, 2026
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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH1+ years Service code 26 · EIN 42-1445429 | Advisory (Participants) | $47,193 |
Service code 10 · EIN 32-0169227 | Accounting | $17,539 |
WITHUMSMITH+BROWN, PC1+ years Filed as: SPENCER FANE BRITT & BROWN LLP Service code 10 · EIN 44-0561981 | Accounting | $11,571 |
Filed as: DEMARS PENSION CONSULTING SERVICES, Service code 10 · EIN 48-0890241 | Accounting | $11,443 |
COMMONWEALTH FINANCIAL NETWORK1+ years Filed as: COMMONWEALTH EQUITY SERVICES Service code 26 · EIN 04-2675571 | Advisory (Participants) | $6,728 |
HUTCHINS & HAAKE LLC1+ years Service code 10 · EIN 20-1950909 | Accounting | $5,100 |
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).
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 | $53,448 | $39,245+36.2% | $64,105-16.6% | $52,331+2.1% |
| Participation rate | 82.8% | 58.2%+24.5pp | 68.2%+14.6pp | 68.1%+14.7pp |
| Annual return | -1.51% | 14.79%-16.3pp | 791.24%-792.8pp | 4.54%-6.1pp |
| Employer contribution / active EE | $1,272 | $736+72.8% | $1,820-30.1% | $1,882-32.4% |
| Participant deferral / active EE | $3,954 | $1,992+98.5% | $2,822+40.1% | $3,022+30.8% |
| Admin fee / account holder | $557 | $592-6.1% | $4,499-87.6% | $592-5.9% |