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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $44,711 |
RAND & ASSOCIATES3 years Service code 26 · EIN 45-1863482 | Advisory (Participants) | $17,399 |
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).
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 | $232,226 | $77,817+198.4% | $123,553+88.0% | $64,173+261.9% |
| Participation rate | 92.5% | 74.7%+17.8pp | 82.3%+10.2pp | 69.6%+22.9pp |
| Annual return | -5.15% | 12.49%-17.6pp | 119.21%-124.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $8,439 | $3,014+180.0% | $4,628+82.3% | $2,381+254.4% |
| Participant deferral / active EE | $10,319 | $5,240+96.9% | $6,426+60.6% | $3,470+197.4% |
| Admin fee / account holder | $545 | $5,519-90.1% | $9,284-94.1% | $4,887-88.8% |