Filed October 7, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $159,600 |
NFP RETIREMENT INC2 years Filed as: NFP RETIREMENT INC. Service code 27 · EIN 33-0905143 | Advisory (Plan) | $50,000 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,336 | $53,136-20.3% | $155,509-72.8% | $199,593-78.8% |
| Participation rate | 81.5% | 64.1%+17.4pp | 78.2%+3.3pp | 72.0%+9.5pp |
| Annual return | 23.43% | 41.15%-17.7pp | 64.67%-41.2pp | 34.25%-10.8pp |
| Employer contribution / active EE | $2,142 | $1,851+15.7% | $4,672-54.2% | $3,034-29.4% |
| Participant deferral / active EE | $4,426 | $3,161+40.0% | $5,626-21.3% | $5,087-13.0% |
| Admin fee / account holder | $88 | $185-52.4% | $15,912-99.4% | $269-67.2% |