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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAMBRIDGE INVESTMENT RESEARCH INC. Service code 27 1776 PLEASANT PLAIN ROAD · FAIRFIELD, IA 52556 | Advisory (Plan) | $32,011 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $58,536 | $86,294-32.2% | $111,303-47.4% | $85,856-31.8% |
| Participation rate | 91.3% | 73.3%+17.9pp | 77.3%+13.9pp | 69.3%+21.9pp |
| Annual return | 12.60% | 19.99%-7.4pp | 54.66%-42.1pp | 318.58%-306.0pp |
| Employer contribution / active EE | $1,647 | $2,043-19.4% | $2,731-39.7% | $2,565-35.8% |
| Participant deferral / active EE | $4,331 | $3,641+19.0% | $4,487-3.5% | $3,952+9.6% |
| Admin fee / account holder | $430 | $8,189-94.7% | $7,966-94.6% | $6,261-93.1% |