Filed August 1, 2025
Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: CIRA (CAMBRIDGE INVESTMENT RESEARCH Service code 99 · EIN 42-1445429 | Other Fees | $25,292 |
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $9,448 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $6,446 |
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.
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 | $55,606 | $99,201-43.9% | $96,544-42.4% | $74,473-25.3% |
| Participation rate | 57.6% | 80.7%-23.1pp | 76.0%-18.4pp | 70.7%-13.1pp |
| Annual return | 20.82% | 22.40%-1.6pp | 25.88%-5.1pp | 34.36%-13.5pp |
| Employer contribution / active EE | $1,138 | $2,570-55.7% | $2,966-61.7% | $2,638-56.9% |
| Participant deferral / active EE | $2,188 | $4,938-55.7% | $4,851-54.9% | $4,530-51.7% |
| Admin fee / account holder | $35 | $225-84.3% | $8,254-99.6% | $347-89.8% |