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| Provider | Service type | Compensation |
|---|---|---|
PAULY, ROGERS AND CO., P.C.,3 years Service code 27 · EIN 93-0936213 | Advisory (Plan) | $9,500 |
DESCHUTES INVESTMENT CONSULTING5+ years Filed as: DESCHUTES INVESTMENT ADVISORS Service code 26 · EIN 87-0554544 | Advisory (Participants) | $8,784 |
Filed as: THE RETIREMENT PLAN COMPANY Service code 51 · EIN 38-3712991 | Investment Mgmt Fees | $8,490 |
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 | $78,593 | $48,053+63.6% | $84,623-7.1% | $72,983+7.7% |
| Participation rate | 21.4% | 57.6%-36.1pp | 68.2%-46.8pp | 69.5%-48.1pp |
| Annual return | 21.56% | 37.39%-15.8pp | 258.77%-237.2pp | 81.01%-59.4pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,652-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $871 | $2,681-67.5% | $3,899-77.7% | $3,608-75.9% |
| Admin fee / account holder | $805 | $3,395-76.3% | $4,913-83.6% | $5,124-84.3% |