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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.2+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $42,043 |
EPOCH CONSULTING GROUP2+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $34,491 |
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 | $98,432 | $32,425+203.6% | $74,577+32.0% | $55,167+78.4% |
| Participation rate | 90.6% | 54.0%+36.6pp | 68.1%+22.5pp | 69.0%+21.7pp |
| Annual return | 6.96% | 10.63%-3.7pp | 20.47%-13.5pp | 169.23%-162.3pp |
| Employer contribution / active EE | $5,318 | $1,043+409.7% | $2,525+110.6% | $1,963+171.0% |
| Participant deferral / active EE | $4,390 | $1,995+120.1% | $3,458+27.0% | $3,054+43.8% |
| Admin fee / account holder | $448 | $748-40.2% | $4,138-89.2% | $504-11.2% |