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| Provider | Service type | Compensation |
|---|---|---|
PINNACLE WEALTH LLC4 years Service code 27 101 PORT STREET · MADISON, MS 39110 | Advisory (Plan) | $50,908 |
THE VANGUARD GROUP, INC.8 years Service code 15 · EIN 23-1945930 | Recordkeeping | $18,622 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $78,321 | $54,193+44.5% | $93,669-16.4% | $77,714+0.8% |
| Participation rate | 64.5% | 63.9%+0.5pp | 68.7%-4.3pp | 70.6%-6.1pp |
| Annual return | 10.19% | 30.54%-20.3pp | 133.59%-123.4pp | 31.26%-21.1pp |
| Employer contribution / active EE | $1,055 | $1,168-9.6% | $2,424-56.4% | $2,727-61.3% |
| Participant deferral / active EE | $3,611 | $3,144+14.9% | $4,416-18.2% | $4,649-22.3% |
| Admin fee / account holder | $364 | $576-36.8% | $8,291-95.6% | $433-16.0% |