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| Provider | Service type | Compensation |
|---|---|---|
R.D. HOAG & ASSOCIATES, LLC6 years Filed as: RD HOAG & ASSOCIATES PC Service code 10 555 N BELL AVE · CARNEIGIE, PA 15106 | Accounting | $14,250 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $10,716 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 27 4707 EXECUTIVE DRIVE · SAN DIEGO, CA 921213901 | Advisory (Plan) | $5,473 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $1,787 |
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.)
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 | $41,108 | $65,092-36.8% | $143,799-71.4% | $66,938-38.6% |
| Participation rate | 25.7% | 65.2%-39.5pp | 80.3%-54.6pp | 69.8%-44.1pp |
| Annual return | -12.65% | -11.14%-1.5pp | -0.04%-12.6pp | 1.58%-14.2pp |
| Employer contribution / active EE | $785 | $2,362-66.8% | $4,952-84.1% | $2,545-69.2% |
| Participant deferral / active EE | $982 | $2,920-66.4% | $5,638-82.6% | $4,238-76.8% |
| Admin fee / account holder | $512 | $502+1.8% | $14,677-96.5% | $594-13.8% |