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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $950 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $79,303 | $55,472+43.0% | $155,567-49.0% | $74,546+6.4% |
| Participation rate | 100.0% | 61.9%+38.1pp | 78.2%+21.8pp | 67.2%+32.8pp |
| Annual return | 8.07% | 268.72%-260.6pp | 64.74%-56.7pp | 1366.03%-1358.0pp |
| Employer contribution / active EE | $4,784 | $2,269+110.8% | $4,674+2.3% | $2,624+82.3% |
| Participant deferral / active EE | $4,326 | $2,838+52.5% | $5,628-23.1% | $4,347-0.5% |
| Admin fee / account holder | $392 | $1,743-77.5% | $15,916-97.5% | $1,944-79.8% |