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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.5+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $17,711 |
LWM ADVISORY SERVICES3 years Service code 27 · EIN 47-1045931 | Advisory (Plan) | $11,393 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $22,558 | $91,760-75.4% | $156,181-85.6% | $67,986-66.8% |
| Participation rate | 71.3% | 65.0%+6.2pp | 78.8%-7.6pp | 57.2%+14.0pp |
| Annual return | 16.94% | 18.14%-1.2pp | 64.87%-47.9pp | 31.67%-14.7pp |
| Employer contribution / active EE | $622 | $2,419-74.3% | $4,294-85.5% | $2,019-69.2% |
| Participant deferral / active EE | $3,359 | $3,960-15.2% | $6,132-45.2% | $3,3580% |
| Admin fee / account holder | $205 | $3,949-94.8% | $14,586-98.6% | $3,203-93.6% |