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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES2 years Filed as: EDWARD D. JONES & CO., L.P. Service code 26 · EIN 43-0345811 | Advisory (Participants) | $40,724 |
CDM RETIREMENT CONSULTANTS, INC.4+ years Service code 37 · EIN 52-2136664 300 E. JOPPA ROAD, SUITE 601 · TOWSON, MD 21286 | Loan Processing | $6,064 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,226 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $42,662 | $75,388-43.4% | $123,553-65.5% | $55,725-23.4% |
| Participation rate | 47.8% | 75.7%-27.8pp | 82.3%-34.5pp | 70.9%-23.0pp |
| Annual return | -8.08% | 4.48%-12.6pp | 119.21%-127.3pp | 244.93%-253.0pp |
| Employer contribution / active EE | $882 | $3,063-71.2% | $4,628-80.9% | $2,078-57.6% |
| Participant deferral / active EE | $2,030 | $5,651-64.1% | $6,426-68.4% | $3,356-39.5% |
| Admin fee / account holder | $300 | $120+150.9% | $9,284-96.8% | $115+160.8% |