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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 | $102,422+30.1% | $147,117-9.5% | $80,959+64.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 8.22% | 135.16%-126.9pp | 420.54%-412.3pp | 35.67%-27.5pp |
| Employer contribution / active EE | $5,741 | $3,717+54.4% | $4,932+16.4% | $2,757+108.2% |
| Participant deferral / active EE | $5,023 | $6,652-24.5% | $8,065-37.7% | $4,300+16.8% |
| Admin fee / account holder | $753 | $7,953-90.5% | $12,993-94.2% | $6,925-89.1% |