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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.3+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $47,810 |
EPOCH CONSULTING GROUP3+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $37,626 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $115,410 | $36,767+213.9% | $81,473+41.7% | $62,293+85.3% |
| Participation rate | 86.4% | 54.4%+32.0pp | 68.0%+18.5pp | 69.5%+16.9pp |
| Annual return | 13.05% | 173.80%-160.8pp | 38.78%-25.7pp | 28.90%-15.9pp |
| Employer contribution / active EE | $5,420 | $1,128+380.3% | $2,568+111.1% | $2,042+165.4% |
| Participant deferral / active EE | $5,005 | $2,111+137.2% | $3,537+41.5% | $3,169+57.9% |
| Admin fee / account holder | $497 | $797-37.7% | $4,561-89.1% | $479+3.6% |