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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $420 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,238 | $75,183+30.7% | $123,894-20.7% | $55,167+78.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 81.4%+18.6pp | 69.0%+31.0pp |
| Annual return | 2.64% | 19.01%-16.4pp | 47.52%-44.9pp | 169.23%-166.6pp |
| Employer contribution / active EE | $3,544 | $2,823+25.5% | $4,617-23.2% | $1,963+80.6% |
| Participant deferral / active EE | $9,197 | $5,084+80.9% | $5,984+53.7% | $3,054+201.1% |
| Admin fee / account holder | $666 | $663+0.5% | $8,357-92.0% | $504+32.2% |