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| Provider | Service type | Compensation |
|---|---|---|
HUMAN INTEREST ADVISOR LLC7+ years Filed as: HUMAN INVESTING Service code 27 · EIN 74-3130983 | Advisory (Plan) | $69,130 |
Service code 37 · EIN 04-2647786 | Loan Processing | $64,844 |
MOSS ADAMS LLP2 years Service code 10 · EIN 91-0189318 | Accounting | $5,250 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $116,209 | $56,540+105.5% | $185,851-37.5% | $86,821+33.8% |
| Participation rate | 98.5% | 65.5%+33.0pp | 81.7%+16.8pp | 72.3%+26.2pp |
| Annual return | 13.95% | 118.20%-104.3pp | 122.11%-108.2pp | 97.94%-84.0pp |
| Employer contribution / active EE | $5,233 | $1,844+183.7% | $5,168+1.3% | $2,406+117.5% |
| Participant deferral / active EE | $6,034 | $2,555+136.1% | $5,569+8.3% | $4,132+46.0% |
| Admin fee / account holder | $375 | $150+150.7% | $16,245-97.7% | $170+121.3% |