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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 82-1222973 | Direct payment from the plan; Claims ... | $14,906 |
FINANCIAL INSIGHT CENTER2 years Service code 27 · EIN 27-2207344 | Advisory (Plan) | $13,139 |
Filed as: BLUESTAR RETIREMENT SERVICES, INC. Service code 12 · EIN 59-3092339 | Recordkeeping and information managem... | $6,437 |
MATRIX TRUST COMPANY1 year Service code 19 · EIN 75-3182674 | Securities Custodian | $712 |
TD AMERITRADE, INC.5+ years Filed as: TD AMERITRADE TRUST COMPANY Service code 19 · EIN 20-0937408 | Securities Custodian | $273 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,716 | $81,494-57.4% | $133,978-74.1% | $73,497-52.8% |
| Participation rate | 93.2% | 76.4%+16.8pp | 79.8%+13.4pp | 70.7%+22.5pp |
| Annual return | 11.79% | 19.40%-7.6pp | 45.10%-33.3pp | 28.51%-16.7pp |
| Employer contribution / active EE | $800 | $2,210-63.8% | $3,919-79.6% | $2,270-64.7% |
| Participant deferral / active EE | $3,972 | $3,787+4.9% | $5,047-21.3% | $3,740+6.2% |
| Admin fee / account holder | $356 | $713-50.1% | $8,930-96.0% | $513-30.6% |