Filed October 5, 2022
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| Provider | Service type | Compensation |
|---|---|---|
IRONSHORE FINANCIAL, LLC4 years Service code 27 · EIN 82-5023101 | Advisory (Plan) | $36,082 |
Service code 12 · EIN 75-2866255 | Other fees; Named fiduciary; Direct p... | $35,403 |
BLUESTAR RETIREMENT SERVICES3 years Filed as: BLUESTAR RETIREMENT SERVICES, INC. Service code 12 · EIN 59-3092339 | Account maintenance fees; Other servi... | $31,069 |
Filed as: MID ATLANTIC TRUST COMPANY Service code 19 · EIN 27-3169253 | Securities Custodian | $29,047 |
Filed as: RPS RETIREMENT PLAN ADVISORS Service code 26 · EIN 74-2589344 | Advisory (Participants) | $23,258 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $254,818 | $82,188+210.0% | $125,391+103.2% | $64,824+293.1% |
| Participation rate | 88.3% | 77.9%+10.4pp | 82.4%+5.9pp | 71.5%+16.8pp |
| Annual return | -18.29% | 3.50%-21.8pp | 572.41%-590.7pp | 32.84%-51.1pp |
| Employer contribution / active EE | $11,718 | $3,617+223.9% | $4,816+143.3% | $2,507+367.4% |
| Participant deferral / active EE | $6,778 | $7,177-5.6% | $7,448-9.0% | $4,311+57.2% |
| Admin fee / account holder | $518 | $163+217.3% | $10,009-94.8% | $188+175.7% |