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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: PENSION CONSULTANTS INC. Service code 16 · EIN 43-1685158 | Consulting | $31,813 |
Service code 37 · EIN 04-2647786 | Loan Processing | $20,638 |
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 | $62,645 | $84,482-25.8% | $125,363-50.0% | $66,930-6.4% |
| Participation rate | 91.3% | 76.4%+14.9pp | 82.4%+8.9pp | 69.8%+21.5pp |
| Annual return | -14.78% | -8.49%-6.3pp | 572.15%-586.9pp | 1.57%-16.4pp |
| Employer contribution / active EE | $609 | $3,553-82.9% | $4,815-87.3% | $2,545-76.1% |
| Participant deferral / active EE | $4,877 | $6,782-28.1% | $7,447-34.5% | $4,238+15.1% |
| Admin fee / account holder | $324 | $685-52.7% | $10,005-96.8% | $593-45.4% |