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| Provider | Service type | Compensation |
|---|---|---|
HARDY REED LLC2 years Service code 27 · EIN 20-5400340 | Advisory (Plan) | $34,022 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$7,834 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $65,404 | $81,948-20.2% | $90,766-27.9% | $64,824+0.9% |
| Participation rate | 56.6% | 80.5%-23.8pp | 75.7%-19.1pp | 71.5%-14.9pp |
| Annual return | -14.00% | -12.53%-1.5pp | -12.16%-1.8pp | 32.84%-46.8pp |
| Employer contribution / active EE | $1,565 | $3,067-49.0% | $2,922-46.4% | $2,507-37.6% |
| Participant deferral / active EE | $3,131 | $4,844-35.4% | $4,565-31.4% | $4,311-27.4% |
| Admin fee / account holder | $51 | $157-67.6% | $8,446-99.4% | $188-72.9% |