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| Provider | Service type | Compensation |
|---|---|---|
SMITH & HOWARD, PC1+ years Filed as: SMITH BRUER ADVISORS Service code 27 1700 SUMMIT LAKE DRIVE · TALLAHASSEE, FL 32317 | Advisory (Plan) | $103,303 |
AT RETIREMENT SERVICES, LLC1+ years Service code 13 · EIN 83-3455979 855 MAIN ST · DUBUQUE, IA 520016823 | Contract Administrator | $69,549 |
Service code 24 · EIN 93-2789379 1251 WATERFRONT PL. STE. 510 · PITTSBURGH, PA 15222 | Discretionary Trustee | $4,771 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $64,317 | $129,095-50.2% | $184,200-65.1% | $77,671-17.2% |
| Participation rate | 68.4% | 87.3%-18.9pp | 86.8%-18.4pp | 70.6%-2.1pp |
| Annual return | 59.18% | 33.29%+25.9pp | 28.80%+30.4pp | 31.21%+28.0pp |
| Employer contribution / active EE | $1,602 | $4,410-63.7% | $6,424-75.1% | $2,726-41.2% |
| Participant deferral / active EE | $4,410 | $7,300-39.6% | $9,132-51.7% | $4,648-5.1% |
| Admin fee / account holder | $417 | $256+62.9% | $13,907-97.0% | $430-3.2% |