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| Provider | Service type | Compensation |
|---|---|---|
Filed as: UNIFIED TRUST COMPANY Service code 13 · EIN 61-1256314 | Contract Administrator | $55,026 |
EPOCH CONSULTING GROUP6+ years Service code 27 435 E STREET, SUITE B · SANTA ROSA, CA 95404 | Advisory (Plan) | $48,506 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $152,284 | $43,133+253.1% | $89,435+70.3% | $73,497+107.2% |
| Participation rate | 88.0% | 55.0%+33.1pp | 68.0%+20.1pp | 70.7%+17.4pp |
| Annual return | 11.47% | 135.66%-124.2pp | 245.55%-234.1pp | 28.51%-17.0pp |
| Employer contribution / active EE | $6,512 | $1,438+352.9% | $2,587+151.7% | $2,270+186.9% |
| Participant deferral / active EE | $6,085 | $2,445+148.9% | $3,890+56.4% | $3,740+62.7% |
| Admin fee / account holder | $563 | $444+26.8% | $4,884-88.5% | $513+9.7% |