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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC7+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $19,565 |
Service code 37 · EIN 04-2647786 | Loan Processing | $6,411 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,075 | $78,682-13.5% | $109,188-37.7% | $85,851-20.7% |
| Participation rate | 84.3% | 68.3%+16.0pp | 75.9%+8.4pp | 69.3%+15.0pp |
| Annual return | 10.84% | 25.09%-14.3pp | 25.76%-14.9pp | 318.63%-307.8pp |
| Employer contribution / active EE | $2,965 | $2,734+8.5% | $3,723-20.4% | $2,565+15.6% |
| Participant deferral / active EE | $4,367 | $3,468+25.9% | $4,654-6.2% | $3,952+10.5% |
| Admin fee / account holder | $317 | $5,470-94.2% | $6,755-95.3% | $6,261-94.9% |