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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 45-2984270 | Advisory (Plan) | $81,647 |
Service code 37 · EIN 04-2647786 | Loan Processing | $60,365 |
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 | $81,964 | $89,465-8.4% | $165,100-50.4% | $77,762+5.4% |
| Participation rate | 83.9% | 78.6%+5.3pp | 78.6%+5.3pp | 70.6%+13.3pp |
| Annual return | 36.76% | 28.86%+7.9pp | 70.21%-33.4pp | 31.27%+5.5pp |
| Employer contribution / active EE | $6,108 | $2,565+138.2% | $4,348+40.5% | $2,728+123.9% |
| Participant deferral / active EE | $8,623 | $4,904+75.8% | $6,035+42.9% | $4,651+85.4% |
| Admin fee / account holder | $333 | $340-1.9% | $12,696-97.4% | $433-23.0% |