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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Recordkeeping fees; Distribution (12b... | $63,245 |
Filed as: CERITY PARTNERS RETIREMENT PLAN Service code 16 · EIN 35-2467663 | Consulting | $44,800 |
VESTAL & WILER CPAS4 years Filed as: VESTAL & WILER CPA Service code 10 · EIN 59-3198021 | Accounting | $11,500 |
NATIONAL FINANCIAL SERVICES4 years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $276,840 | $84,499+227.6% | $125,391+120.8% | $66,949+313.5% |
| Participation rate | 99.4% | 76.4%+23.0pp | 82.4%+17.0pp | 69.8%+29.6pp |
| Annual return | -16.51% | -8.49%-8.0pp | 572.41%-588.9pp | 1.57%-18.1pp |
| Employer contribution / active EE | $9,177 | $3,554+158.2% | $4,816+90.6% | $2,545+260.5% |
| Participant deferral / active EE | $11,631 | $6,785+71.4% | $7,448+56.2% | $4,239+174.4% |
| Admin fee / account holder | $471 | $685-31.3% | $10,009-95.3% | $594-20.7% |