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| Provider | Service type | Compensation |
|---|---|---|
BRIDGEWATER4 years Filed as: BRIDGEWATER ADVISORY GROUP Service code 27 · EIN 83-0769376 986 W. ALLUVIAL, SUITE 101 · FRESNO, CA 93711 | Advisory (Plan) | $16,853 |
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930 200 DRYDEN ROAD · DRESHER, PA 19025 | Recordkeeping | $12,153 |
HICKS PENSION SERVICES3 years Service code 10 · EIN 94-2158860 3459 W. SHAW AVENUE · FRESNO, CA 93711 | Accounting | $2,325 |
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 | $43,562 | $56,423-22.8% | $77,183-43.6% | $71,495-39.1% |
| Participation rate | 72.8% | 64.3%+8.5pp | 69.6%+3.2pp | 67.9%+4.9pp |
| Annual return | 15.07% | 19.05%-4.0pp | 37.89%-22.8pp | 28.85%-13.8pp |
| Employer contribution / active EE | $1,450 | $1,866-22.3% | $2,534-42.8% | $2,589-44.0% |
| Participant deferral / active EE | $3,084 | $3,142-1.8% | $3,833-19.5% | $4,291-28.1% |
| Admin fee / account holder | $257 | $1,429-82.0% | $5,475-95.3% | $1,588-83.8% |