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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP3 years Filed as: USI ADVISORS INC Service code 27 · EIN 06-1397347 | Advisory (Plan) | $25,108 |
Service code 37 · EIN 04-2647786 | Loan Processing | $15,049 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $90,481 | $60,488+49.6% | $109,916-17.7% | $79,389+14.0% |
| Participation rate | 68.4% | 67.0%+1.4pp | 74.2%-5.8pp | 70.7%-2.3pp |
| Annual return | 11.53% | 189.57%-178.0pp | 29.46%-17.9pp | 116.89%-105.4pp |
| Employer contribution / active EE | $3,759 | $1,649+128.0% | $2,844+32.2% | $2,428+54.8% |
| Participant deferral / active EE | $1,583 | $3,220-50.8% | $4,047-60.9% | $4,046-60.9% |
| Admin fee / account holder | $321 | $605-46.9% | $6,069-94.7% | $626-48.7% |