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| Provider | Service type | Compensation |
|---|---|---|
STEPHEN HORN INSURANCE SERVICES4+ years Filed as: STEPHEN N. ASHTON Service code 27 445 E. CEDAR BLVD · OTHELLO, WA 99344 | Advisory (Plan) | $64,329 |
RANDALL & HURLEY, INC.4+ years Service code 15 · EIN 91-1661080 1328 N. WHITMAN LN. · LIBERTY LAKE, WA 99019 | Recordkeeping | $35,620 |
TD AMERITRADE, INC.1 year Filed as: TD AMERITRADE TRUST COMPANY Service code 19 · EIN 20-0937408 | Securities Custodian | $9,035 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $47,638 | $48,261-1.3% | $68,612-30.6% | $55,725-14.5% |
| Participation rate | 98.5% | 71.0%+27.4pp | 72.2%+26.2pp | 70.9%+27.6pp |
| Annual return | -4.45% | -2.61%-1.8pp | -4.63%+0.2pp | 244.93%-249.4pp |
| Employer contribution / active EE | $2,224 | $1,742+27.6% | $2,625-15.3% | $2,078+7.0% |
| Participant deferral / active EE | $3,505 | $2,712+29.2% | $3,311+5.9% | $3,356+4.5% |
| Admin fee / account holder | $303 | $126+140.0% | $5,131-94.1% | $115+162.8% |