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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY1+ years Filed as: UNION BANK AND TRUST COMPANY Service code 12 · EIN 47-0321480 | Claims processing; Recordkeeping fees... | $24,171 |
CAMBRIDGE INVESTMENT RESEARCH1+ years Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 27 · EIN 42-1445429 | Advisory (Plan) | $19,999 |
MATRIX CLEARANCE AND SETTLEMENT1+ years Service code 33 · EIN 13-4046432 | Securities brokerage; Sub-transfer ag... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $57,740 | $62,561-7.7% | $105,218-45.1% | $52,331+10.3% |
| Participation rate | 21.0% | 70.4%-49.4pp | 77.2%-56.2pp | 68.1%-47.1pp |
| Annual return | -1.57% | 8.71%-10.3pp | 5.33%-6.9pp | 4.54%-6.1pp |
| Employer contribution / active EE | $586 | $2,137-72.6% | $3,255-82.0% | $1,882-68.8% |
| Participant deferral / active EE | $1,073 | $3,355-68.0% | $4,867-78.0% | $3,022-64.5% |
| Admin fee / account holder | $650 | $198+227.3% | $6,992-90.7% | $592+9.8% |