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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $16,477 |
Filed as: BANK OF AMERICA NA Service code 27 · EIN 13-5674085 | Advisory (Plan) | $9,129 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,991 | $54,355-17.2% | $82,744-45.6% | $68,486-34.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -18.34% | -13.67%-4.7pp | 702.22%-720.6pp | -7.85%-10.5pp |
| Employer contribution / active EE | $3,203 | $2,219+44.4% | $3,008+6.5% | $2,597+23.4% |
| Participant deferral / active EE | $2,162 | $3,246-33.4% | $4,395-50.8% | $4,028-46.3% |
| Admin fee / account holder | $603 | $4,397-86.3% | $5,325-88.7% | $5,404-88.8% |