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| Provider | Service type | Compensation |
|---|---|---|
EPLAN ADVISORS, LLC2 years Filed as: EPLAN SERVICES, LLC Service code 17 · EIN 36-1543746 | Pension Consulting | $24,910 |
BAIRD FUNDS3 years Filed as: ROBERT FARRAGHER Service code 27 1600 PENNSYLVANIA AVE · MCDONOUGH, GA 30253 | Advisory (Plan) | $22,675 |
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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,722 | $84,482+8.6% | $125,363-26.8% | $66,930+37.0% |
| Participation rate | 59.6% | 76.4%-16.8pp | 82.4%-22.8pp | 69.8%-10.2pp |
| Annual return | -16.97% | -8.49%-8.5pp | 572.15%-589.1pp | 1.57%-18.5pp |
| Employer contribution / active EE | $0 | $3,553-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $5,434 | $6,782-19.9% | $7,447-27.0% | $4,238+28.2% |
| Admin fee / account holder | $425 | $685-38.0% | $10,005-95.8% | $593-28.4% |