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| Provider | Service type | Compensation |
|---|---|---|
JULY BUSINESS SERVICES1 year Service code 15 · EIN 74-2715820 | Recordkeeping | $41,109 |
CPS INVESTMENT ADVISORS1 year Service code 24 · EIN 59-2030217 | Discretionary Trustee | $37,188 |
LINCOLN NATIONAL CORPORATION6+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $19,919 |
Filed as: CARR RIGGS & INGRAM, LLC Service code 10 · EIN 72-1396621 | Accounting | $19,500 |
PURVIS GRAY1 year Filed as: PERVIS GRAY AND COMPANY Service code 10 · EIN 59-0548468 | Accounting | $8,000 |
PURVIS GRAY1 year Filed as: PURVIS GRAY AND COMPANY Service code 10 · EIN 59-0548468 | Accounting | $8,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $17,835 | $29,525-39.6% | $56,033-68.2% | $77,736-77.1% |
| Participation rate | 59.6% | 32.7%+26.9pp | 52.5%+7.1pp | 70.6%-11.0pp |
| Annual return | 16.32% | 18.90%-2.6pp | 1711.38%-1695.1pp | 31.26%-14.9pp |
| Employer contribution / active EE | $799 | $569+40.4% | $1,041-23.2% | $2,728-70.7% |
| Participant deferral / active EE | $2,062 | $1,062+94.3% | $1,954+5.5% | $4,651-55.7% |
| Admin fee / account holder | $387 | $1,040-62.8% | $2,827-86.3% | $433-10.8% |