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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $26,464 |
Service code 37 · EIN 04-2647786 | Loan Processing | $23,453 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,939 | $79,181-19.2% | $102,423-37.6% | $74,429-14.1% |
| Participation rate | 70.0% | 74.8%-4.8pp | 76.5%-6.5pp | 67.2%+2.8pp |
| Annual return | 16.38% | 54.97%-38.6pp | 29.42%-13.0pp | 1368.38%-1352.0pp |
| Employer contribution / active EE | $651 | $2,362-72.4% | $3,023-78.5% | $2,625-75.2% |
| Participant deferral / active EE | $4,690 | $4,416+6.2% | $5,054-7.2% | $4,348+7.9% |
| Admin fee / account holder | $301 | $2,002-85.0% | $9,455-96.8% | $1,944-84.5% |