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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JANNEY MONTGOMERY SCOTT, LLC Service code 26 2800 QUARRY LAKE DRIVE · BALTIMORE, MD 21209 | Advisory (Participants) | $31,941 |
CDM RETIREMENT CONSULTANTS, INC.3+ years Service code 37 300 E. JOPPA RD., STE. 601 · TOWSON, MD 21286 | Loan Processing | $18,357 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,162 | $51,466+20.8% | $78,778-21.1% | $62,293-0.2% |
| Participation rate | 66.2% | 59.8%+6.4pp | 69.2%-3.0pp | 69.5%-3.3pp |
| Annual return | 14.81% | 19.96%-5.1pp | 35.62%-20.8pp | 28.90%-14.1pp |
| Employer contribution / active EE | $425 | $827-48.6% | $1,986-78.6% | $2,042-79.2% |
| Participant deferral / active EE | $2,913 | $2,147+35.7% | $2,958-1.5% | $3,169-8.1% |
| Admin fee / account holder | $402 | $489-17.8% | $5,134-92.2% | $479-16.1% |