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| Provider | Service type | Compensation |
|---|---|---|
BRIDGEWATER5 years Filed as: BRIDGEWATER ADVISORY GROUP Service code 27 · EIN 83-0769376 986 W. ALLUVIAL, SUITE 101 · FRESNO, CA 93711 | Advisory (Plan) | $21,518 |
THE VANGUARD GROUP, INC.5 years Service code 15 · EIN 23-1945930 200 DRYDEN ROAD · DRESHER, PA 19025 | Recordkeeping | $14,345 |
HICKS PENSION SERVICES4 years Service code 10 · EIN 94-2158860 3459 W. SHAW AVENUE · FRESNO, CA 93711 | Accounting | $4,200 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,338 | $62,177-15.8% | $81,370-35.7% | $74,478-29.7% |
| Participation rate | 63.7% | 64.1%-0.4pp | 69.5%-5.8pp | 67.2%-3.5pp |
| Annual return | 11.60% | 16.62%-5.0pp | 24.85%-13.2pp | 1370.56%-1359.0pp |
| Employer contribution / active EE | $1,248 | $1,881-33.7% | $2,464-49.3% | $2,626-52.5% |
| Participant deferral / active EE | $2,665 | $3,219-17.2% | $3,885-31.4% | $4,350-38.7% |
| Admin fee / account holder | $314 | $1,927-83.7% | $5,749-94.5% | $1,946-83.9% |