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| Provider | Service type | Compensation |
|---|---|---|
Filed as: THE RETIREMENT PLAN COMPANY Service code 51 · EIN 38-3712991 | Investment Mgmt Fees | $9,202 |
PAULY, ROGERS AND CO., P.C.,2 years Service code 27 · EIN 93-0936213 | Advisory (Plan) | $9,175 |
DESCHUTES INVESTMENT CONSULTING4+ years Filed as: DESCHUTES INVESTMENT ADVISORS Service code 26 · EIN 87-0554544 | Advisory (Participants) | $8,951 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,155 | $33,067+78.9% | $76,518-22.7% | $56,287+5.1% |
| Participation rate | 22.6% | 55.4%-32.7pp | 68.0%-45.4pp | 69.9%-47.2pp |
| Annual return | -7.30% | 2.72%-10.0pp | -0.27%-7.0pp | -9.96%+2.7pp |
| Employer contribution / active EE | $0 | $1,200-100.0% | $2,647-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $941 | $2,240-58.0% | $3,836-75.5% | $3,350-71.9% |
| Admin fee / account holder | $736 | $537+37.2% | $4,849-84.8% | $521+41.4% |