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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $34,721 |
AMERICAN FUNDS4 years Filed as: THE CAPITAL GROUP INV ADVISORY Service code 27 · EIN 46-4255096 | Advisory (Plan) | $30,000 |
BALDWIN & BALDWIN PLLC1 year Filed as: THE BALDWIN GROUP WEALTH ADVISORS Service code 27 · EIN 47-5476782 | Advisory (Plan) | $10,000 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $157,973 | $80,705+95.7% | $115,768+36.5% | $67,986+132.4% |
| Participation rate | 73.0% | 63.0%+10.0pp | 74.4%-1.4pp | 57.2%+15.8pp |
| Annual return | 16.47% | 18.49%-2.0pp | 100.46%-84.0pp | 31.67%-15.2pp |
| Employer contribution / active EE | $2,850 | $2,046+39.3% | $2,940-3.1% | $2,019+41.2% |
| Participant deferral / active EE | $7,398 | $3,559+107.9% | $4,917+50.5% | $3,358+120.3% |
| Admin fee / account holder | $408 | $4,135-90.1% | $12,439-96.7% | $3,203-87.3% |