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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 29 SAWYER RD · WALTHAM, MA 024533483 | Advisory (Plan) | $19,286 |
Service code 10 · EIN 62-0963442 | Accounting | $9,000 |
AMERICAN FUNDS2 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $5,502 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $97,946 | $53,162+84.2% | $91,227+7.4% | $68,490+43.0% |
| Participation rate | 73.5% | 63.2%+10.3pp | 73.2%+0.3pp | 67.9%+5.6pp |
| Annual return | -11.91% | -3.14%-8.8pp | 114.14%-126.0pp | -7.85%-4.1pp |
| Employer contribution / active EE | $2,291 | $1,709+34.0% | $2,851-19.6% | $2,597-11.8% |
| Participant deferral / active EE | $3,937 | $2,974+32.4% | $4,234-7.0% | $4,028-2.2% |
| Admin fee / account holder | $469 | $4,493-89.6% | $5,423-91.3% | $5,403-91.3% |