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| Provider | Service type | Compensation |
|---|---|---|
EPLAN ADVISORS, LLC5 years Service code 17 · EIN 36-1543746 | Pension Consulting | $21,851 |
BAIRD FUNDS1 year Filed as: ROBERT FARRAGHER Service code 27 1600 PENNSYLVANIA AVENUE · MCDONOUGH, GA 30253 | Advisory (Plan) | $17,561 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,656 | $99,957-11.3% | $149,730-40.8% | $73,493+20.6% |
| Participation rate | 62.7% | 75.7%-13.0pp | 82.5%-19.8pp | 70.7%-8.0pp |
| Annual return | 11.70% | 53.87%-42.2pp | 276.70%-265.0pp | 28.51%-16.8pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $4,495 | $6,073-26.0% | $6,843-34.3% | $3,740+20.2% |
| Admin fee / account holder | $353 | $551-36.0% | $9,310-96.2% | $513-31.3% |