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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $41,508 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 39-1897480 | Advisory (Plan) | $17,576 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,640 | $60,488-39.4% | $109,907-66.7% | $79,391-53.8% |
| Participation rate | 57.6% | 67.0%-9.4pp | 74.2%-16.6pp | 70.7%-13.1pp |
| Annual return | 10.75% | 189.57%-178.8pp | 29.46%-18.7pp | 116.88%-106.1pp |
| Employer contribution / active EE | $814 | $1,649-50.6% | $2,844-71.4% | $2,428-66.5% |
| Participant deferral / active EE | $2,956 | $3,220-8.2% | $4,047-26.9% | $4,046-26.9% |
| Admin fee / account holder | $421 | $605-30.4% | $6,069-93.1% | $627-32.8% |