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| Provider | Service type | Compensation |
|---|---|---|
BLUEWATER ASSET MANAGEMENT10+ years Service code 28 4120 EAST BELTLINE AVENUE,SUITE 100 · GRAND RAPIDS, MI 49525 | Investment Management | $71,708 |
PENSERV PLAN SERVICES, INC.10+ years Service code 15 P.O. BOX 7248 · COLUMBIA, SC 29202 | Recordkeeping | $62,796 |
MATRIX TRUST COMPANY4 years Service code 19 · EIN 75-3182674 | Securities Custodian | $11,421 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $20,774 | $91,710-77.3% | $67,560-69.3% | $77,762-73.3% |
| Participation rate | 88.6% | 76.0%+12.6pp | 72.9%+15.7pp | 70.6%+18.0pp |
| Annual return | 11.55% | 14.88%-3.3pp | 3533.50%-3521.9pp | 31.27%-19.7pp |
| Employer contribution / active EE | $1,190 | $3,187-62.7% | $2,737-56.5% | $2,728-56.4% |
| Participant deferral / active EE | $2,122 | $3,911-45.7% | $4,004-47.0% | $4,651-54.4% |
| Admin fee / account holder | $126 | $245-48.7% | $3,994-96.9% | $433-71.0% |