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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $38,218 |
Filed as: GALLAGHER FIDUCIARY ADVISORS LLC Service code 27 · EIN 36-4291971 | Advisory (Plan) | $20,000 |
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 | $183,220 | $79,700+129.9% | $153,432+19.4% | $74,546+145.8% |
| Participation rate | 98.2% | 69.8%+28.4pp | 77.1%+21.2pp | 67.2%+31.0pp |
| Annual return | 17.36% | 15.07%+2.3pp | 15.66%+1.7pp | 1366.03%-1348.7pp |
| Employer contribution / active EE | $19,844 | $4,016+394.1% | $5,038+293.9% | $2,624+656.2% |
| Participant deferral / active EE | $17,542 | $5,315+230.1% | $6,757+159.6% | $4,347+303.5% |
| Admin fee / account holder | $364 | $1,790-79.7% | $12,725-97.1% | $1,944-81.3% |