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| Provider | Service type | Compensation |
|---|---|---|
SEQUOIA FINANCIAL ADVISORS1+ years Filed as: SEQUOIA FINANCIAL ADVISORS LLC Service code 28 · EIN 34-1913859 | Investment Management | $17,670 |
ALLIANCE BENEFIT GROUP1+ years Filed as: ALLIANCE BENEFIT GROUP OF MI, INC. Service code 15 · EIN 38-2738460 | Recordkeeping | $13,176 |
COHEN & COMPANY1+ years Filed as: COHEN & COMPANY, LTD Service code 10 · EIN 34-1912961 | Accounting | $9,000 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $4,958 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $74,738 | $63,314+18.0% | $91,004-17.9% | $62,293+20.0% |
| Participation rate | 49.6% | 73.3%-23.8pp | 75.6%-26.0pp | 69.5%-20.0pp |
| Annual return | 3.35% | 21.00%-17.6pp | 4.60%-1.3pp | 28.90%-25.5pp |
| Employer contribution / active EE | $0 | $1,807-100.0% | $2,456-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,216 | $2,944-58.7% | $3,548-65.7% | $3,169-61.6% |
| Admin fee / account holder | $735 | $468+57.1% | $5,417-86.4% | $479+53.2% |