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| Provider | Service type | Compensation |
|---|---|---|
UHY LLP3 years Service code 10 · EIN 20-0694403 | Accounting | $51,250 |
Service code 37 · EIN 04-2647786 | Loan Processing | $45,244 |
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.)
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 | $83,199 | $89,123-6.6% | $102,460-18.8% | $77,762+7.0% |
| Participation rate | 61.9% | 80.9%-19.0pp | 76.5%-14.6pp | 70.6%-8.7pp |
| Annual return | 14.17% | 25.05%-10.9pp | 29.47%-15.3pp | 31.27%-17.1pp |
| Employer contribution / active EE | $2,222 | $2,700-17.7% | $3,025-26.5% | $2,728-18.5% |
| Participant deferral / active EE | $5,097 | $5,148-1.0% | $5,056+0.8% | $4,651+9.6% |
| Admin fee / account holder | $342 | $236+45.1% | $9,460-96.4% | $433-21.0% |