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| Provider | Service type | Compensation |
|---|---|---|
BVAL CPAS & ADVISORS LLP1 year Filed as: BVAL CPAS AND ADVISORS LLP Service code 10 · EIN 45-2635340 | Accounting | $15,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $9,002 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $71,068 | $49,451+43.7% | $79,580-10.7% | $66,938+6.2% |
| Participation rate | 25.2% | 61.3%-36.1pp | 69.5%-44.2pp | 69.8%-44.6pp |
| Annual return | -21.79% | 84.25%-106.0pp | 0.15%-21.9pp | 1.58%-23.4pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,054 | $3,159+28.4% | $3,985+1.7% | $4,238-4.3% |
| Admin fee / account holder | $383 | $595-35.6% | $6,835-94.4% | $594-35.5% |