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| Provider | Service type | Compensation |
|---|---|---|
STEPHENS INC3 years Service code 23 · EIN 71-0641478 | Insurance brokerage commissions and f... | $33,673 |
Filed as: MASS MUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $2,836 |
ASCENSUS LLC1 year Filed as: ASCENSUS INC. Service code 37 · EIN 11-3665754 | Loan Processing | $0 |
RELIANCE TRUST COMPANY5+ years Filed as: RELIANCE TRUST Service code 25 · EIN 58-1428634 | Directed Trustee | $0 |
RETIREMENT STRATEGIES, INC.5+ years Service code 37 · EIN 58-2380163 | Loan Processing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $94,069 | $86,341+9.0% | $125,192-24.9% | $65,185+44.3% |
| Participation rate | 68.9% | 75.3%-6.5pp | 79.8%-10.9pp | 70.2%-1.3pp |
| Annual return | 17.16% | 27.44%-10.3pp | 43.79%-26.6pp | 29.38%-12.2pp |
| Employer contribution / active EE | $1,223 | $2,040-40.0% | $3,866-68.4% | $2,177-43.8% |
| Participant deferral / active EE | $3,653 | $3,538+3.2% | $4,937-26.0% | $3,514+4.0% |
| Admin fee / account holder | $16 | $609-97.3% | $9,704-99.8% | $847-98.1% |