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| Provider | Service type | Compensation |
|---|---|---|
PINNACLE WEALTH LLC3 years Service code 27 101 PORT STREET · MADISON, MS 39110 | Advisory (Plan) | $43,500 |
THE VANGUARD GROUP, INC.7 years Service code 15 · EIN 23-1945930 | Recordkeeping | $17,888 |
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 | $75,414 | $53,165+41.8% | $86,209-12.5% | $74,440+1.3% |
| Participation rate | 57.8% | 64.9%-7.1pp | 69.0%-11.2pp | 70.7%-12.9pp |
| Annual return | 12.14% | 22.64%-10.5pp | 1169.05%-1156.9pp | 34.37%-22.2pp |
| Employer contribution / active EE | $927 | $1,210-23.4% | $2,381-61.1% | $2,638-64.8% |
| Participant deferral / active EE | $3,216 | $3,234-0.6% | $3,986-19.3% | $4,529-29.0% |
| Admin fee / account holder | $335 | $551-39.2% | $6,853-95.1% | $348-3.6% |