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| Provider | Service type | Compensation |
|---|---|---|
PINNACLE WEALTH LLC5 years Service code 27 101 PORT STREET · MADISON, MS 39110 | Advisory (Plan) | $54,494 |
THE VANGUARD GROUP, INC.9 years Service code 15 · EIN 23-1945930 | Recordkeeping | $20,092 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $80,362 | $56,047+43.4% | $98,716-18.6% | $79,634+0.9% |
| Participation rate | 67.8% | 54.6%+13.2pp | 69.3%-1.5pp | 62.5%+5.3pp |
| Annual return | 13.00% | 17.58%-4.6pp | 31.81%-18.8pp | 36.46%-23.5pp |
| Employer contribution / active EE | $988 | $1,237-20.1% | $2,279-56.6% | $2,529-60.9% |
| Participant deferral / active EE | $3,382 | $2,469+37.0% | $4,048-16.4% | $3,835-11.8% |
| Admin fee / account holder | $367 | $1,512-75.7% | $8,703-95.8% | $1,002-63.3% |