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| Provider | Service type | Compensation |
|---|---|---|
SMART INVESTOR10+ years Service code 27 · EIN 48-1289192 | Advisory (Plan) | $52,418 |
Filed as: THE RETIREMENT PLAN COMPANY, LLC Service code 64 · EIN 38-3712991 | Recordkeeping Fees | $28,599 |
MATRIX TRUST COMPANY7 years Filed as: MATRIX Service code 19 · EIN 75-3182674 PO BOX 3595 · NEW YORK, NY 100083595 | Securities Custodian | $7,477 |
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 | $133,202 | $102,382+30.1% | $147,005-9.4% | $80,874+64.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 8.22% | 134.89%-126.7pp | 418.76%-410.5pp | 35.62%-27.4pp |
| Employer contribution / active EE | $5,741 | $3,715+54.6% | $4,934+16.4% | $2,756+108.4% |
| Participant deferral / active EE | $5,023 | $6,646-24.4% | $8,070-37.8% | $4,297+16.9% |
| Admin fee / account holder | $753 | $7,942-90.5% | $13,006-94.2% | $6,935-89.1% |