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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 82-1222973 | Participant loan processing; Plan Adm... | $19,927 |
EP WEALTH ADVISORS LLC1 year Filed as: EP WEALTH ADVISORS, INC. Service code 26 · EIN 33-0152539 | Advisory (Participants) | $17,602 |
BLUESTAR RETIREMENT SERVICES2 years Filed as: BLUESTAR RETIREMENT SERVICES, INC. Service code 12 · EIN 59-3092339 | Direct payment from the plan; Claims ... | $7,485 |
MATRIX TRUST COMPANY1 year Filed as: MATRIX TRUST COMPANY (PHOENIX) Service code 19 · EIN 75-3182674 | Securities Custodian | $1,320 |
MATRIX TRUST COMPANY2 years Service code 19 | Securities Custodian | $0 |
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 | $39,711 | $93,182-57.4% | $146,647-72.9% | $79,389-50.0% |
| Participation rate | 93.9% | 76.4%+17.4pp | 80.1%+13.8pp | 70.7%+23.1pp |
| Annual return | 14.20% | 21.61%-7.4pp | 22.75%-8.5pp | 116.89%-102.7pp |
| Employer contribution / active EE | $1,810 | $2,420-25.2% | $4,137-56.2% | $2,428-25.4% |
| Participant deferral / active EE | $4,077 | $4,169-2.2% | $5,506-25.9% | $4,046+0.8% |
| Admin fee / account holder | $337 | $585-42.4% | $10,281-96.7% | $626-46.2% |