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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC5 years Filed as: UBS FINANCIAL SERVICES - N.J. Service code 26 · EIN 13-2638116 | Advisory (Participants) | $37,001 |
Service code 15 · EIN 16-1503696 | Recordkeeping | $33,894 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,180 | $45,109-6.5% | $85,187-50.5% | $77,736-45.7% |
| Participation rate | 30.2% | 48.7%-18.5pp | 67.5%-37.3pp | 70.6%-40.4pp |
| Annual return | 11.02% | 79.55%-68.5pp | 66.67%-55.6pp | 31.26%-20.2pp |
| Employer contribution / active EE | $1,636 | $1,602+2.2% | $2,732-40.1% | $2,728-40.0% |
| Participant deferral / active EE | $780 | $2,814-72.3% | $4,525-82.8% | $4,651-83.2% |
| Admin fee / account holder | $389 | $915-57.5% | $6,162-93.7% | $433-10.3% |