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| Provider | Service type | Compensation |
|---|---|---|
INTEGRITY ASSET MANAGEMENT2+ years Filed as: INTEGRITY FINANCIAL Service code 26 · EIN 32-0123516 | Advisory (Participants) | $18,085 |
HEALTHEQUITY RETIREMENT SERVICES2+ years Service code 12 · EIN 82-1222973 | Named fiduciary; Participant loan pro... | $8,178 |
MATRIX TRUST COMPANY1 year Service code 19 · EIN 75-3182674 | Securities Custodian | $1,245 |
TD AMERITRADE, INC.2+ years Filed as: TD AMERITRADE TRUST COMPANY Service code 19 · EIN 20-0937408 | Securities Custodian | $390 |
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.)
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 | $53,400 | $73,638-27.5% | $95,964-44.4% | $73,497-27.3% |
| Participation rate | 39.2% | 76.2%-37.0pp | 77.1%-37.9pp | 70.7%-31.5pp |
| Annual return | 15.27% | 16.78%-1.5pp | 91.64%-76.4pp | 28.51%-13.2pp |
| Employer contribution / active EE | $1,512 | $1,863-18.8% | $2,541-40.5% | $2,270-33.4% |
| Participant deferral / active EE | $2,582 | $3,617-28.6% | $4,167-38.0% | $3,740-31.0% |
| Admin fee / account holder | $442 | $482-8.4% | $6,797-93.5% | $513-14.0% |