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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $51,482 |
Service code 37 · EIN 04-2647786 | Loan Processing | $26,564 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $105,129 | $110,483-4.8% | $145,433-27.7% | $79,634+32.0% |
| Participation rate | 58.9% | 71.1%-12.2pp | 82.1%-23.2pp | 62.5%-3.6pp |
| Annual return | 14.97% | 24.62%-9.6pp | 66.58%-51.6pp | 36.46%-21.5pp |
| Employer contribution / active EE | $1,874 | $4,053-53.7% | $4,554-58.8% | $2,529-25.9% |
| Participant deferral / active EE | $4,294 | $7,216-40.5% | $7,897-45.6% | $3,835+12.0% |
| Admin fee / account holder | $384 | $680-43.6% | $13,129-97.1% | $1,002-61.7% |