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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK8+ years Service code 26 · EIN 74-2055649 | Advisory (Participants) | $7,744 |
JULY BUSINESS SERVICES8+ years Service code 15 · EIN 74-2715820 | Recordkeeping | $6,665 |
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.)
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 | $33,837 | $26,549+27.5% | $61,399-44.9% | $66,930-49.4% |
| Participation rate | 19.0% | 38.1%-19.1pp | 52.6%-33.6pp | 69.8%-50.8pp |
| Annual return | -17.22% | -16.21%-1.0pp | 338.81%-356.0pp | 1.57%-18.8pp |
| Employer contribution / active EE | $199 | $651-69.4% | $1,159-82.8% | $2,545-92.2% |
| Participant deferral / active EE | $903 | $1,338-32.5% | $2,124-57.5% | $4,238-78.7% |
| Admin fee / account holder | $314 | $409-23.1% | $2,131-85.2% | $593-47.0% |