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| Provider | Service type | Compensation |
|---|---|---|
CLARK NUBER1 year Service code 50 10900 NE 4TH STREET · BELLEVUE, WA 98004 | Direct Payment | $26,500 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $16,711 |
ASCENSUS LLC1 year Filed as: ASCENSUS Service code 70 23693 NETWORK PLACE · CHICAGO, IL 606731236 | Consulting Fees | $14,163 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,648 | $60,454+36.7% | $81,844+1.0% | $74,459+11.0% |
| Participation rate | 35.2% | 63.0%-27.8pp | 72.4%-37.2pp | 67.2%-32.0pp |
| Annual return | 9.12% | 16.87%-7.7pp | 778.87%-769.8pp | 1369.70%-1360.6pp |
| Employer contribution / active EE | $640 | $2,630-75.6% | $2,916-78.0% | $2,626-75.6% |
| Participant deferral / active EE | $1,063 | $3,398-68.7% | $4,323-75.4% | $4,350-75.6% |
| Admin fee / account holder | $742 | $1,490-50.2% | $7,355-89.9% | $1,945-61.8% |