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| Provider | Service type | Compensation |
|---|---|---|
WITHUMSMITH+BROWN, PC1 year Filed as: ADAMSBROWN WEALTH CONSULTANTS, LLC Service code 16 · EIN 84-3726120 | Consulting | $19,658 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,616 |
ADP BROKER-DEALER4 years Filed as: PENSION CONSULTANTS INC. Service code 16 · EIN 43-1685158 | Consulting | $18,103 |
Employer 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.)
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 | $72,567 | $101,672-28.6% | $147,117-50.7% | $74,478-2.6% |
| Participation rate | 92.0% | 75.5%+16.5pp | 82.2%+9.8pp | 67.2%+24.8pp |
| Annual return | 14.44% | 8757.83%-8743.4pp | 420.54%-406.1pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $739 | $3,813-80.6% | $4,932-85.0% | $2,626-71.9% |
| Participant deferral / active EE | $5,647 | $7,305-22.7% | $8,065-30.0% | $4,350+29.8% |
| Admin fee / account holder | $306 | $1,753-82.5% | $12,993-97.6% | $1,946-84.3% |