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| Provider | Service type | Compensation |
|---|---|---|
ARMADA ADVISORS, INC.2 years Service code 27 · EIN 26-4640626 610 NORTH SPRING STREET · PENSACOLA, FL 32501 | Advisory (Plan) | $80,739 |
CANAL HR, INC.2 years Service code 14 · EIN 46-1197378 POST OFFICE BOX 8798 · METAIRIE, LA 70011 | Plan Administrator | $19,575 |
SALTMARSH, CLEVELAND & GUND2 years Service code 10 · EIN 59-2922169 900 NORTH 12TH AVENUE · PENSACOLA, LA 32501 | Accounting | $11,800 |
Service code 10 · EIN 58-2678386 POST OFFICE BOX 19223 · NEW ORLEANS, LA 70179 | Accounting | $10,310 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,654 | $88,122-9.6% | $141,197-43.6% | $67,582+17.9% |
| Participation rate | 48.5% | 76.5%-27.9pp | 82.5%-34.0pp | 71.3%-22.8pp |
| Annual return | 25.82% | 75.40%-49.6pp | 71.41%-45.6pp | 378.57%-352.7pp |
| Employer contribution / active EE | $928 | $3,224-71.2% | $4,736-80.4% | $2,148-56.8% |
| Participant deferral / active EE | $2,493 | $5,958-58.2% | $6,710-62.8% | $3,539-29.6% |
| Admin fee / account holder | $470 | $131+259.3% | $10,265-95.4% | $142+230.5% |