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| Provider | Service type | Compensation |
|---|---|---|
GRANITE GROUP ADVISORS, LLC3+ years Service code 14 · EIN 90-0116073 | Plan Administrator | $85,372 |
TPC QUALIFIED PLANS LLC2 years Service code 15 · EIN 26-2312094 | Recordkeeping | $7,968 |
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.)
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 | $131,752 | $130,224+1.2% | $197,124-33.2% | $79,634+65.4% |
| Participation rate | 59.0% | 87.8%-28.8pp | 86.7%-27.7pp | 62.5%-3.5pp |
| Annual return | 41.99% | 23.65%+18.3pp | 44.34%-2.4pp | 36.46%+5.5pp |
| Employer contribution / active EE | $3,434 | $4,314-20.4% | $6,227-44.9% | $2,529+35.8% |
| Participant deferral / active EE | $4,239 | $7,378-42.5% | $9,135-53.6% | $3,835+10.6% |
| Admin fee / account holder | $406 | $254+59.7% | $16,298-97.5% | $1,002-59.4% |