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| Provider | Service type | Compensation |
|---|---|---|
INGHAM & COMPANY5+ years Service code 14 · EIN 65-0170152 | Plan Administrator | $156,393 |
RELIANCE TRUST COMPANY5+ years Service code 21 · EIN 58-1428634 | Bank Trustee | $12,396 |
NATIONAL FINANCIAL SERVICES5+ years Service code 19 · EIN 04-3523567 | Securities Custodian | $11,757 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $300,851 | $88,122+241.4% | $141,200+113.1% | $67,584+345.2% |
| Participation rate | 100.0% | 76.5%+23.5pp | 82.5%+17.5pp | 71.3%+28.7pp |
| Annual return | 16.58% | 75.40%-58.8pp | 71.41%-54.8pp | 378.59%-362.0pp |
| Employer contribution / active EE | $11,877 | $3,224+268.3% | $4,736+150.8% | $2,148+452.9% |
| Participant deferral / active EE | $8,539 | $5,958+43.3% | $6,710+27.3% | $3,540+141.3% |
| Admin fee / account holder | $404 | $131+208.6% | $10,265-96.1% | $142+183.9% |