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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.3+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $46,927 |
TRUTINA FINANCIAL3+ years Service code 27 10811 MAIN STREET · BELLEVUE, WA 98004 | Advisory (Plan) | $37,840 |
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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $85,562 | $64,909+31.8% | $82,312+3.9% | $62,293+37.4% |
| Participation rate | 98.3% | 74.9%+23.5pp | 76.9%+21.5pp | 69.5%+28.8pp |
| Annual return | 13.40% | 21.18%-7.8pp | 25.88%-12.5pp | 28.90%-15.5pp |
| Employer contribution / active EE | $1,503 | $1,676-10.3% | $2,428-38.1% | $2,042-26.4% |
| Participant deferral / active EE | $6,267 | $3,103+101.9% | $3,706+69.1% | $3,169+97.8% |
| Admin fee / account holder | $377 | $440-14.3% | $5,608-93.3% | $479-21.4% |