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| Provider | Service type | Compensation |
|---|---|---|
CST GROUP1 year Filed as: CST GROUP CPA'S, P. C. Service code 10 · EIN 54-1019610 | Accounting | $14,500 |
USI CONSULTING GROUP9 years Service code 12 · EIN 06-1053228 | Trustee (directed); Recordkeeping and... | $7,130 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $460,773 | $102,385+350.0% | $147,080+213.3% | $80,935+469.3% |
| Participation rate | 62.5% | 75.9%-13.4pp | 82.2%-19.7pp | 67.7%-5.2pp |
| Annual return | 8.75% | 135.09%-126.3pp | 420.17%-411.4pp | 35.66%-26.9pp |
| Employer contribution / active EE | $3,338 | $3,717-10.2% | $4,933-32.3% | $2,757+21.1% |
| Participant deferral / active EE | $15,062 | $6,651+126.5% | $8,066+86.7% | $4,299+250.3% |
| Admin fee / account holder | $1,082 | $7,951-86.4% | $12,989-91.7% | $6,924-84.4% |