Filed November 25, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
VANTAGE ETC, LTD1+ years Service code 15 · EIN 45-5394900 | Recordkeeping | $39,999 |
WITHUMSMITH+BROWN, PC1+ years Filed as: BROWN, EDWARDS & COMPANY, LLP. Service code 15 · EIN 54-0504608 | Recordkeeping | $9,900 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,500 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
STATE STREET GLOBAL ADVISORS1+ years Filed as: STATE STREET CORPORATION Service code 21 · EIN 04-1867445 | Bank Trustee | $0 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $66,908 | $50,464+32.6% | $75,784-11.7% | $52,331+27.9% |
| Participation rate | 45.3% | 66.8%-21.5pp | 75.8%-30.5pp | 68.1%-22.8pp |
| Annual return | 0.86% | 1.03%-0.2pp | 9.68%-8.8pp | 4.54%-3.7pp |
| Employer contribution / active EE | $601 | $1,988-69.8% | $3,323-81.9% | $1,882-68.0% |
| Participant deferral / active EE | $1,702 | $2,570-33.8% | $3,652-53.4% | $3,022-43.7% |
| Admin fee / account holder | $598 | $1,103-45.7% | $5,300-88.7% | $592+1.1% |