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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $27,296 |
Service code 27 · EIN 93-0987232 | Advisory (Plan) | $25,302 |
KEITER1 year Service code 10 · EIN 54-1631262 | Accounting | $10,300 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $116,078 | $70,917+63.7% | $98,920+17.3% | $73,497+57.9% |
| Participation rate | 98.4% | 73.8%+24.6pp | 76.0%+22.4pp | 70.7%+27.7pp |
| Annual return | 13.55% | 34.18%-20.6pp | 196.47%-182.9pp | 28.51%-15.0pp |
| Employer contribution / active EE | $2,446 | $2,037+20.1% | $2,689-9.1% | $2,270+7.7% |
| Participant deferral / active EE | $7,486 | $3,501+113.8% | $4,245+76.4% | $3,740+100.2% |
| Admin fee / account holder | $373 | $535-30.2% | $6,643-94.4% | $513-27.3% |