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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D JONES & CO Service code 28 · EIN 43-0345811 | Investment Management | $28,491 |
Filed as: BLUE SKY 401K SPECIALISTS, INC. Service code 13 · EIN 81-3622920 | Contract Administrator | $2,129 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $800 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $575 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $153,185 | $69,383+120.8% | $101,275+51.3% | $73,497+108.4% |
| Participation rate | 61.0% | 68.4%-7.4pp | 75.8%-14.8pp | 70.7%-9.7pp |
| Annual return | 12.62% | 18.46%-5.8pp | 46.48%-33.9pp | 28.51%-15.9pp |
| Employer contribution / active EE | $2,476 | $2,628-5.8% | $3,660-32.3% | $2,270+9.1% |
| Participant deferral / active EE | $3,535 | $3,301+7.1% | $4,371-19.1% | $3,740-5.5% |
| Admin fee / account holder | $0 | $704-100.0% | $5,948-100.0% | $513-100.0% |