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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.4+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $191,825 |
Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $22,764 |
COMMONWEALTH FINANCIAL NETWORK4+ years Filed as: COMMONWEALTH BANK & TRUST COMPANY Service code 26 4350 BROWNSBORO ROAD, SUITE 210 · LOUISVILLE, KY 40207 | Advisory (Participants) | $9,448 |
Service code 10 · EIN 61-1064249 | Accounting | $9,000 |
STOCK YARDS BANK & TRUST4+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $5,062 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $363,785 | $47,977+658.3% | $154,108+136.1% | $56,289+546.3% |
| Participation rate | 100.0% | 66.2%+33.8pp | 83.0%+17.0pp | 69.9%+30.1pp |
| Annual return | -4.65% | 3.54%-8.2pp | 735.21%-739.9pp | -9.96%+5.3pp |
| Employer contribution / active EE | $25,173 | $2,169+1060.8% | $5,298+375.2% | $2,111+1092.4% |
| Participant deferral / active EE | $15,784 | $2,392+559.9% | $5,081+210.7% | $3,350+371.2% |
| Admin fee / account holder | $1,338 | $438+205.4% | $13,411-90.0% | $521+156.9% |