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| Provider | Service type | Compensation |
|---|---|---|
HIGHTOWER ADVISORS LLC1+ years Service code 27 · EIN 36-4500709 | Advisory (Plan) | $32,736 |
Service code 37 · EIN 04-2647786 | Loan Processing | $15,946 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $157,752 | $70,667+123.2% | $123,105+28.1% | $52,331+201.5% |
| Participation rate | 81.1% | 83.7%-2.6pp | 86.8%-5.6pp | 68.1%+13.0pp |
| Annual return | 0.55% | 6.23%-5.7pp | 13.22%-12.7pp | 4.54%-4.0pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $11,617 | $4,493+158.6% | $6,229+86.5% | $3,022+284.4% |
| Admin fee / account holder | $372 | $506-26.6% | $9,014-95.9% | $592-37.2% |