Filed March 17, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $23,343 |
Service code 26 · EIN 20-1090152 | Advisory (Participants) | $15,107 |
TREE CITY ADVISORS3 years Service code 26 · EIN 47-4292326 | Advisory (Participants) | $5,688 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,709 | $47,163-39.1% | $149,696-80.8% | $74,460-61.4% |
| Participation rate | 44.5% | 63.4%-19.0pp | 78.8%-34.3pp | 70.7%-26.3pp |
| Annual return | -2.71% | 22.75%-25.5pp | 134.46%-137.2pp | 34.38%-37.1pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $2,042 | $2,730-25.2% | $5,682-64.1% | $4,530-54.9% |
| Admin fee / account holder | $84 | $343-75.4% | $13,212-99.4% | $348-75.7% |