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| Provider | Service type | Compensation |
|---|---|---|
CURAFIN ADVISORS1+ years Service code 16 15333 N. PIMA ROAD, SUITE 200 · SCOTTSDALE, AZ 85260 | Consulting | $30,702 |
BLUESTAR RETIREMENT SERVICES1+ years Service code 13 822 A1A N., SUITE 211 · PONTE VEDRA, FL 32082 | Contract Administrator | $13,788 |
MGKS1+ years Service code 15 7600 NORTH 16TH STREET · PHOENIX, AZ 85020 | Recordkeeping | $7,005 |
ONE CHARLES PRIVATE WEALTH1+ years Service code 26 99 DERBY STREET · HINGHAM, MA 02043 | Advisory (Participants) | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,543 | $56,511-49.5% | $185,837-84.6% | $86,813-67.1% |
| Participation rate | 53.0% | 65.5%-12.5pp | 81.7%-28.7pp | 72.3%-19.3pp |
| Annual return | 17.85% | 118.12%-100.3pp | 122.08%-104.2pp | 97.93%-80.1pp |
| Employer contribution / active EE | $961 | $1,844-47.9% | $5,168-81.4% | $2,406-60.1% |
| Participant deferral / active EE | $2,141 | $2,554-16.2% | $5,568-61.6% | $4,131-48.2% |
| Admin fee / account holder | $310 | $150+107.2% | $16,241-98.1% | $170+82.8% |