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| Provider | Service type | Compensation |
|---|---|---|
OPPENHEIMER6+ years Filed as: OPPENHEIMER & CO., INC. Service code 51 · EIN 13-5657518 85 BROAD STREET · NEW YORK, NY 10004 | Investment Mgmt Fees | $42,615 |
MATRIX TRUST COMPANY5+ years Filed as: MATRIX TRUST CO Service code 19 · EIN 75-3182674 717 17TH STREET, SUITE 1300 · DENVER, CO 80202 | Securities Custodian | $4,133 |
Service code 13 · EIN 20-0235252 PO BOX 2159 · JAMESTOWN, NC 27282 | Contract Administrator | $958 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $39,346 | $66,124-40.5% | $90,440-56.5% | $73,493-46.5% |
| Participation rate | 64.7% | 69.7%-5.0pp | 72.7%-8.0pp | 70.7%-6.0pp |
| Annual return | 10.25% | 17.65%-7.4pp | 1294.38%-1284.1pp | 28.51%-18.3pp |
| Employer contribution / active EE | $176 | $2,346-92.5% | $3,263-94.6% | $2,270-92.3% |
| Participant deferral / active EE | $1,076 | $3,039-64.6% | $3,964-72.9% | $3,740-71.2% |
| Admin fee / account holder | $385 | $396-2.9% | $5,615-93.1% | $513-25.0% |