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| Provider | Service type | Compensation |
|---|---|---|
ARGENT TRUST COMPANY1+ years Filed as: ARGENT WEALTH LLC Service code 27 · EIN 85-3833814 | Advisory (Plan) | $139,099 |
Service code 15 · EIN 59-2438373 | Recordkeeping | $55,320 |
3(16) FIDUCIARY SERVICES CORP1+ years Service code 14 · EIN 45-4813650 | Plan Administrator | $45,823 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $36,851 |
SERVANT SPIRIT SERVICES LLC1+ years Service code 99 · EIN 93-4904307 | Other Fees | $34,217 |
TEMPLETON & COMPANY LLP1+ years Filed as: TEMPLETON & COMPANY, LLP Service code 10 · EIN 14-1918990 | Accounting | $28,470 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $39,411 | $241,850-83.7% | $102,437-61.5% | $200,096-80.3% |
| Participation rate | 55.0% | 78.3%-23.3pp | 74.5%-19.5pp | 72.0%-17.0pp |
| Annual return | 13.60% | 17.67%-4.1pp | 24.95%-11.3pp | 34.26%-20.7pp |
| Employer contribution / active EE | $1,204 | $4,253-71.7% | $3,871-68.9% | $3,038-60.4% |
| Participant deferral / active EE | $2,613 | $3,961-34.0% | $5,060-48.4% | $5,090-48.7% |
| Admin fee / account holder | $149 | $288-48.2% | $8,388-98.2% | $269-44.6% |