Filed August 14, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $19,244 |
Service code 37 · EIN 04-2647786 | Loan Processing | $14,019 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $125,183 | $105,210+19.0% | $159,487-21.5% | $85,851+45.8% |
| Participation rate | 60.4% | 75.8%-15.4pp | 82.8%-22.4pp | 69.3%-8.9pp |
| Annual return | 16.86% | 45.08%-28.2pp | 263.71%-246.8pp | 318.63%-301.8pp |
| Employer contribution / active EE | $1,970 | $3,319-40.7% | $4,831-59.2% | $2,565-23.2% |
| Participant deferral / active EE | $10,335 | $5,946+73.8% | $7,354+40.5% | $3,952+161.5% |
| Admin fee / account holder | $367 | $6,934-94.7% | $10,804-96.6% | $6,261-94.1% |