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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $68,469 |
Filed as: PENSIONMARK FINANCIAL GROUP, LLC Service code 27 · EIN 61-1758632 | Advisory (Plan) | $34,436 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,065 | $122,063-63.9% | $184,256-76.1% | $74,478-40.8% |
| Participation rate | 96.5% | 85.5%+11.0pp | 86.8%+9.7pp | 67.2%+29.3pp |
| Annual return | 18.48% | 19.92%-1.4pp | 28.85%-10.4pp | 1370.56%-1352.1pp |
| Employer contribution / active EE | $4,442 | $4,539-2.1% | $6,427-30.9% | $2,626+69.1% |
| Participant deferral / active EE | $11,139 | $7,144+55.9% | $9,133+22.0% | $4,350+156.0% |
| Admin fee / account holder | $318 | $1,253-74.6% | $13,899-97.7% | $1,946-83.6% |