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| Provider | Service type | Compensation |
|---|---|---|
MERCER1 year Filed as: MERCER INVESTMENT MANAGEMENT Service code 26 · EIN 30-0282430 601 W MAIN · SPOKANE, WA 99201 | Advisory (Participants) | $16,991 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $92,437 | $66,319+39.4% | $93,614-1.3% | $65,185+41.8% |
| Participation rate | 86.0% | 74.0%+12.0pp | 75.8%+10.1pp | 70.2%+15.8pp |
| Annual return | 20.86% | 42.59%-21.7pp | 32.76%-11.9pp | 29.38%-8.5pp |
| Employer contribution / active EE | $563 | $2,013-72.0% | $2,718-79.3% | $2,177-74.1% |
| Participant deferral / active EE | $4,318 | $3,343+29.2% | $4,069+6.1% | $3,514+22.9% |
| Admin fee / account holder | $371 | $6,900-94.6% | $7,889-95.3% | $847-56.3% |