| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 06-1050034 | Contract Administrator | $269,202 |
PENSIONMARK FINANCIAL GROUP LLC1+ years Service code 27 · EIN 61-1758632 | Advisory (Plan) | $138,000 |
LOCKTON INVESTMENT ADVISORS, LLC1+ years Service code 27 · EIN 20-8874282 | Advisory (Plan) | $42,319 |
ERNST & YOUNG LLP1+ years Filed as: ERNST & YOUNG FBO M & T Service code 10 · EIN 34-6565596 | Accounting | $35,000 |
Filed as: PRUDENTIAL INVESTMENT MANAGEMENT SE Service code 63 · EIN 13-4122960 | 12b-1 Fees | $76 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $26,843 | $27,522-2.5% | $71,089-62.2% | $68,904-61.0% |
| Participation rate | 55.5% | 34.5%+20.9pp | 54.6%+0.8pp | 74.1%-18.7pp |
| Annual return | 118.21% | -0.07%+118.3pp | 650.65%-532.4pp | 1.07%+117.1pp |
| Employer contribution / active EE | $256 | $325-21.2% | $1,088-76.5% | $2,540-89.9% |
| Participant deferral / active EE | $661 | $835-20.8% | $1,873-64.7% | $4,015-83.5% |
| Admin fee / account holder | $76 | $67+12.9% | $3,082-97.5% | $71+6.8% |