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| Provider | Service type | Compensation |
|---|---|---|
Filed as: THE TRUST COMPANY Service code 26 · EIN 62-1306704 | Advisory (Participants) | $7,107 |
BLUESTAR RETIREMENT SERVICES3 years Filed as: BLUESTAR RETIREMENT SERVICES, INC. Service code 12 · EIN 59-3092339 | Account maintenance fees; Other servi... | $6,967 |
MATRIX TRUST COMPANY3 years Service code 19 · EIN 75-3182674 | Securities Custodian | $1,065 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $58,077 | $46,332+25.3% | $143,797-59.6% | $64,824-10.4% |
| Participation rate | 5.3% | 64.2%-59.0pp | 80.3%-75.0pp | 71.5%-66.2pp |
| Annual return | -19.77% | -10.05%-9.7pp | -0.04%-19.7pp | 32.84%-52.6pp |
| Employer contribution / active EE | $54 | $1,911-97.2% | $4,952-98.9% | $2,507-97.8% |
| Participant deferral / active EE | $204 | $2,647-92.3% | $5,638-96.4% | $4,311-95.3% |
| Admin fee / account holder | $841 | $154+446.7% | $14,679-94.3% | $188+347.8% |