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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY3+ years Service code 12 · EIN 47-6174009 | Investment management fees paid direc... | $51,457 |
MATRIX CLEARANCE AND SETTLEMENT3+ years Service code 33 · EIN 13-4046432 | Securities brokerage; Sub-transfer ag... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $79,601 | $84,233-5.5% | $170,436-53.3% | $70,131+13.5% |
| Participation rate | 94.7% | 70.8%+23.8pp | 83.6%+11.1pp | 69.5%+25.1pp |
| Annual return | 17.93% | 23.06%-5.1pp | 205.94%-188.0pp | 73.14%-55.2pp |
| Employer contribution / active EE | $3,913 | $3,387+15.5% | $5,433-28.0% | $2,342+67.1% |
| Participant deferral / active EE | $2,839 | $3,086-8.0% | $4,939-42.5% | $3,332-14.8% |
| Admin fee / account holder | $412 | $5,698-92.8% | $13,880-97.0% | $4,645-91.1% |