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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $44,857 |
NATIONAL FINANCIAL SERVICES9 years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $36,189 | $89,588-59.6% | $136,072-73.4% | $77,736-53.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 76.4%+23.6pp | 70.6%+29.4pp |
| Annual return | 11.44% | 17.42%-6.0pp | 580.46%-569.0pp | 31.26%-19.8pp |
| Employer contribution / active EE | $3,122 | $3,491-10.6% | $4,216-25.9% | $2,728+14.5% |
| Participant deferral / active EE | $3,143 | $5,592-43.8% | $7,028-55.3% | $4,651-32.4% |
| Admin fee / account holder | $41 | $539-92.4% | $6,718-99.4% | $433-90.5% |