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| Provider | Service type | Compensation |
|---|---|---|
STOUT, CAUSEY & HORNING, P.A.2+ years Service code 10 · EIN 52-1743645 | Accounting | $16,000 |
PIEDMONT INVESTMENT ADVISORS LLC2+ years Filed as: PIEDMONT INVESTMENT ADVISORS Service code 27 10900 NUCKOLS RD SUITE 200 · GLEN ALLEN, VA 23060 | Advisory (Plan) | $14,361 |
ASPIRE FINANCIAL SERVICES2+ years Service code 15 4010 BOY SCOUT BLVD, SUITE 500 · TAMPA, FL 33607 | Recordkeeping | $9,749 |
Filed as: CBIZ BENEFITS & INSURANCE SERVICES Service code 14 · EIN 31-1582098 | Plan Administrator | $8,595 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $7,980 |
LT TRUST COMPANY2+ years Filed as: MG TRUST Service code 19 717 17TH STREET, SUITE 1300 · DENVER, CO 80202 | Securities Custodian | $919 |
Participant 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $13,165 | $32,425-59.4% | $74,577-82.3% | $55,167-76.1% |
| Participation rate | 82.8% | 54.0%+28.8pp | 68.1%+14.7pp | 69.0%+13.8pp |
| Annual return | 5.35% | 10.63%-5.3pp | 20.47%-15.1pp | 169.23%-163.9pp |
| Employer contribution / active EE | $3,134 | $1,043+200.4% | $2,525+24.1% | $1,963+59.7% |
| Participant deferral / active EE | $505 | $1,995-74.7% | $3,458-85.4% | $3,054-83.5% |
| Admin fee / account holder | $435 | $748-41.9% | $4,138-89.5% | $504-13.7% |