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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FINANCIAL Service code 27 880 CARILON PARKWAY · ST. PETERSBURG, FL 33716 | Advisory (Plan) | $11,508 |
Filed as: PROFESSIONAL BENEFIT SERVICES, INC. Service code 13 · EIN 93-0998477 1193 ROYVONNE STE. 22 · SALEM, OR 97302 | Contract Administrator | $5,687 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT Service code 64 · EIN 95-6817943 | Recordkeeping Fees | $3,486 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,233 | $138,385-46.4% | $184,243-59.7% | $80,925-8.3% |
| Participation rate | 70.6% | 83.9%-13.3pp | 86.8%-16.2pp | 67.7%+2.9pp |
| Annual return | 16.25% | 20.02%-3.8pp | 28.82%-12.6pp | 35.65%-19.4pp |
| Employer contribution / active EE | $1,725 | $4,851-64.4% | $6,427-73.2% | $2,756-37.4% |
| Participant deferral / active EE | $4,562 | $7,075-35.5% | $9,132-50.0% | $4,299+6.1% |
| Admin fee / account holder | $398 | $10,489-96.2% | $13,914-97.1% | $6,940-94.3% |