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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY6+ years Service code 12 · EIN 47-0321480 | Claims processing; Securities brokera... | $60,824 |
MATRIX CLEARANCE AND SETTLEMENT6+ years Service code 33 · EIN 13-4046432 | Sub-transfer agency fees; Securities ... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $85,351 | $58,888+44.9% | $178,499-52.2% | $73,493+16.1% |
| Participation rate | 85.4% | 66.2%+19.2pp | 81.9%+3.5pp | 70.7%+14.8pp |
| Annual return | 17.86% | 24.86%-7.0pp | 151.10%-133.2pp | 28.51%-10.7pp |
| Employer contribution / active EE | $2,727 | $2,236+21.9% | $5,011-45.6% | $2,270+20.1% |
| Participant deferral / active EE | $2,877 | $2,568+12.1% | $5,202-44.7% | $3,740-23.1% |
| Admin fee / account holder | $434 | $400+8.5% | $13,986-96.9% | $513-15.3% |