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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP5 years Filed as: USI ADVISORS INC Service code 27 · EIN 06-1397347 | Advisory (Plan) | $30,844 |
Service code 37 · EIN 04-2647786 | Loan Processing | $30,120 |
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.)
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 | $74,975 | $71,872+4.3% | $86,691-13.5% | $68,495+9.5% |
| Participation rate | 54.0% | 72.2%-18.2pp | 76.6%-22.6pp | 67.9%-13.9pp |
| Annual return | -14.39% | 3.53%-17.9pp | 35.94%-50.3pp | -7.84%-6.6pp |
| Employer contribution / active EE | $2,149 | $2,173-1.1% | $2,837-24.2% | $2,596-17.2% |
| Participant deferral / active EE | $4,221 | $3,779+11.7% | $4,656-9.3% | $4,028+4.8% |
| Admin fee / account holder | $604 | $6,112-90.1% | $7,492-91.9% | $5,403-88.8% |