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| Provider | Service type | Compensation |
|---|---|---|
SPECTRA MANAGEMENT, LLC6 years Service code 26 · EIN 45-0518885 | Advisory (Participants) | $21,508 |
Filed as: HEALTHEQUITY RETIREMENT SERVICES, L Service code 12 · EIN 82-1222973 | Other fees; Participant loan processi... | $10,754 |
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Contract Administrator; Recordkeeping... | $7,415 |
MATRIX TRUST COMPANY5 years Service code 19 · EIN 75-3182674 | Securities Custodian | $828 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,566 | $79,184-51.3% | $102,438-62.4% | $74,546-48.3% |
| Participation rate | 60.6% | 74.8%-14.2pp | 76.5%-15.9pp | 67.2%-6.7pp |
| Annual return | 11.58% | 54.95%-43.4pp | 29.37%-17.8pp | 1366.03%-1354.4pp |
| Employer contribution / active EE | $678 | $2,362-71.3% | $3,024-77.6% | $2,624-74.2% |
| Participant deferral / active EE | $2,968 | $4,414-32.8% | $5,054-41.3% | $4,347-31.7% |
| Admin fee / account holder | $368 | $2,001-81.6% | $9,448-96.1% | $1,944-81.1% |