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| Provider | Service type | Compensation |
|---|---|---|
BLUESTAR RETIREMENT SERVICES6+ years Service code 12 · EIN 59-3092339 | Direct payment from the plan; Claims ... | $35,905 |
PMD ADVISORY5 years Service code 26 · EIN 20-5897876 | Advisory (Participants) | $20,034 |
MATRIX TRUST COMPANY2 years Service code 19 · EIN 75-3182674 | Securities Custodian | $1,616 |
TD AMERITRADE, INC.6+ years Filed as: TD AMERITRADE TRUST COMPANY Service code 19 | Securities Custodian | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,522 | $87,125-62.7% | $108,410-70.0% | $86,813-62.5% |
| Participation rate | 32.8% | 80.5%-47.8pp | 80.1%-47.4pp | 72.3%-39.5pp |
| Annual return | 12.39% | 25.21%-12.8pp | 905.34%-893.0pp | 97.93%-85.5pp |
| Employer contribution / active EE | $0 | $2,477-100.0% | $3,558-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $1,240 | $6,944-82.1% | $6,562-81.1% | $4,131-70.0% |
| Admin fee / account holder | $353 | $130+170.9% | $7,296-95.2% | $170+108.0% |