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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BENEFIT & RISK MANAGEMENT SERVICES Service code 13 · EIN 68-0306908 | Contract Administrator | $66,096 |
Filed as: MCCRACKEN STEMERMAN & HOLSBERRY LLP Service code 29 · EIN 94-1709555 | Legal | $9,716 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,818 | $34,242-85.9% | $76,518-93.7% | $75,289-93.6% |
| Participation rate | 2.5% | 43.9%-41.4pp | 68.0%-65.5pp | 72.4%-69.9pp |
| Annual return | 24.43% | -0.98%+25.4pp | -0.27%+24.7pp | -0.04%+24.5pp |
| Employer contribution / active EE | $63 | $975-93.6% | $2,647-97.6% | $2,405-97.4% |
| Participant deferral / active EE | $0 | $1,872-100.0% | $3,836-100.0% | $3,739-100.0% |
| Admin fee / account holder | $764 | $112+582.8% | $4,849-84.2% | $102+647.1% |