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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.5+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $158,628 |
BAIRD INSURANCE SERVICES INC2 years Filed as: HILLIARD LYONS - A BAIRD COMPANY Service code 26 10200 FOREST GREEN BLVD. · LOUISVILLE, KY 40223 | Advisory (Participants) | $45,213 |
COMMONWEALTH FINANCIAL NETWORK5+ years Filed as: COMMONWEALTH BANK & TRUST COMPANY Service code 26 4350 BROWNSBORO ROAD, SUITE 210 · LOUISVILLE, KY 40207 | Advisory (Participants) | $9,939 |
STOCK YARDS BANK & TRUST5+ years Service code 26 P.O. BOX 34290 · LOUISVILLE, KY 402324290 | Advisory (Participants) | $5,886 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $436,373 | $52,961+723.9% | $172,752+152.6% | $65,185+569.4% |
| Participation rate | 100.0% | 66.2%+33.8pp | 82.6%+17.4pp | 70.2%+29.8pp |
| Annual return | 20.49% | 30.12%-9.6pp | 802.97%-782.5pp | 29.38%-8.9pp |
| Employer contribution / active EE | $28,419 | $2,190+1197.6% | $5,144+452.4% | $2,177+1205.6% |
| Participant deferral / active EE | $16,873 | $2,471+582.8% | $5,198+224.6% | $3,514+380.2% |
| Admin fee / account holder | $1,309 | $472+177.4% | $13,955-90.6% | $847+54.5% |