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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 91-2090931 15130 MAIN STREET · MILL CREEK, WA 98012 | Recordkeeping | $22,490 |
LUCID ADVISORS, INC.4 years Service code 26 · EIN 91-2050140 2101 4TH AVENUE · SEATTLE, WA 98121 | Advisory (Participants) | $16,931 |
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.)
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 | $50,144 | $61,166-18.0% | $185,849-73.0% | $79,391-36.8% |
| Participation rate | 46.7% | 66.6%-20.0pp | 81.7%-35.0pp | 70.7%-24.0pp |
| Annual return | 13.07% | 19.45%-6.4pp | 122.10%-109.0pp | 116.88%-103.8pp |
| Employer contribution / active EE | $1,723 | $2,321-25.8% | $5,169-66.7% | $2,428-29.0% |
| Participant deferral / active EE | $1,837 | $2,789-34.1% | $5,569-67.0% | $4,046-54.6% |
| Admin fee / account holder | $371 | $710-47.8% | $16,244-97.7% | $627-40.8% |