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| Provider | Service type | Compensation |
|---|---|---|
HIGHTOWER ADVISORS LLC1 year Filed as: HIGHTOWER SECURITIES LLC Service code 27 · EIN 36-4500709 | Advisory (Plan) | $46,633 |
Service code 37 · EIN 04-2647786 | Loan Processing | $35,816 |
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 | $158,985 | $94,529+68.2% | $140,019+13.5% | $64,173+147.7% |
| Participation rate | 81.3% | 84.1%-2.8pp | 87.5%-6.2pp | 69.6%+11.7pp |
| Annual return | -6.17% | 7.77%-13.9pp | 651.17%-657.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $15,138 | $5,250+188.3% | $6,927+118.5% | $3,470+336.3% |
| Admin fee / account holder | $693 | $6,741-89.7% | $10,705-93.5% | $4,887-85.8% |