Filed December 8, 2016
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| Provider | Service type | Compensation |
|---|---|---|
FISHER INVESTMENTS1 year Filed as: FISHER RETIREMENT SOLUTIONS Service code 26 · EIN 99-2188878 | Advisory (Participants) | $26,292 |
Service code 37 · EIN 04-2647786 | Loan Processing | $25,088 |
STIFEL NICOLAUS & CO INC3+ years Service code 27 · EIN 43-0538770 | Advisory (Plan) | $5,902 |
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 | $57,769 | $106,749-45.9% | $145,433-60.3% | $82,448-29.9% |
| Participation rate | 87.8% | 75.6%+12.1pp | 82.1%+5.7pp | 68.1%+19.7pp |
| Annual return | 18.39% | 27.59%-9.2pp | 66.58%-48.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $4,014 | $3,444+16.5% | $4,554-11.9% | $2,551+57.3% |
| Participant deferral / active EE | $9,346 | $6,519+43.4% | $7,897+18.3% | $4,139+125.8% |
| Admin fee / account holder | $313 | $8,390-96.3% | $13,129-97.6% | $7,234-95.7% |