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| Provider | Service type | Compensation |
|---|---|---|
CORNERSTONE FINANCIAL GROUP4+ years Filed as: CORNERSTONE FINANCIAL GROUP, LLC Service code 27 · EIN 47-0798627 | Advisory (Plan) | $81,603 |
EPIC RETIREMENT PLAN SERVICES4+ years Filed as: THE RETIREMENT PLAN COMPANY Service code 60 · EIN 38-2712991 | Sub-TA Fees | $30,783 |
LT TRUST COMPANY4+ years Filed as: MG TRUST COMPANY, LLC Service code 28 · EIN 75-3182674 | Investment Management | $12,836 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $153,569 | $89,652+71.3% | $141,191+8.8% | $65,185+135.6% |
| Participation rate | 65.9% | 74.7%-8.8pp | 82.5%-16.5pp | 70.2%-4.3pp |
| Annual return | 19.23% | 32.79%-13.6pp | 71.41%-52.2pp | 29.38%-10.2pp |
| Employer contribution / active EE | $12,874 | $3,065+320.1% | $4,736+171.8% | $2,177+491.4% |
| Participant deferral / active EE | $0 | $5,691-100.0% | $6,710-100.0% | $3,514-100.0% |
| Admin fee / account holder | $594 | $569+4.4% | $10,264-94.2% | $847-29.9% |