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| Provider | Service type | Compensation |
|---|---|---|
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $32,784 |
HEIM YOUNG & ASSOCIATES INC3 years Service code 27 · EIN 43-1717820 | Advisory (Plan) | $30,226 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,248 | $89,123+9.1% | $102,460-5.1% | $77,762+25.1% |
| Participation rate | 38.7% | 80.9%-42.3pp | 76.5%-37.9pp | 70.6%-31.9pp |
| Annual return | 11.89% | 25.05%-13.2pp | 29.47%-17.6pp | 31.27%-19.4pp |
| Employer contribution / active EE | $183 | $2,700-93.2% | $3,025-93.9% | $2,728-93.3% |
| Participant deferral / active EE | $3,171 | $5,148-38.4% | $5,056-37.3% | $4,651-31.8% |
| Admin fee / account holder | $450 | $236+90.8% | $9,460-95.2% | $433+4.0% |