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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $15,874 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $14,839 |
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).
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 | $45,166 | $61,356-26.4% | $149,696-69.8% | $71,511-36.8% |
| Participation rate | 78.4% | 62.5%+15.9pp | 78.8%-0.3pp | 67.9%+10.5pp |
| Annual return | 15.39% | 35.86%-20.5pp | 134.46%-119.1pp | 28.86%-13.5pp |
| Employer contribution / active EE | $1,108 | $2,382-53.5% | $4,821-77.0% | $2,589-57.2% |
| Participant deferral / active EE | $3,188 | $2,920+9.2% | $5,682-43.9% | $4,291-25.7% |
| Admin fee / account holder | $327 | $1,263-74.1% | $13,212-97.5% | $1,588-79.4% |