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| Provider | Service type | Compensation |
|---|---|---|
WEST COAST FINANCIAL7+ years Service code 52 · EIN 26-1516464 | Indirect Investment Fees | $19,746 |
Service code 37 · EIN 04-2647786 | Loan Processing | $11,533 |
TORREY CAPITAL INVESTMENTS5 years Service code 52 · EIN 45-0651612 | Indirect Investment Fees | $10,862 |
DOWLING & YAHNKE LLC7+ years Filed as: DOWLING & YAHNKE Service code 52 · EIN 26-0266092 | Indirect Investment Fees | $8,360 |
WEATHERLY ASSET MANAGEMENT7+ years Service code 52 · EIN 33-0638187 | Indirect Investment Fees | $5,263 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,349,158 | $56,551+2285.8% | $185,854+625.9% | $86,828+1453.8% |
| Participation rate | 94.5% | 65.5%+29.0pp | 81.7%+12.8pp | 72.3%+22.2pp |
| Annual return | 13.81% | 118.23%-104.4pp | 122.12%-108.3pp | 97.95%-84.1pp |
| Employer contribution / active EE | $43,674 | $1,845+2267.3% | $5,169+745.0% | $2,406+1715.1% |
| Participant deferral / active EE | $7,797 | $2,556+205.1% | $5,569+40.0% | $4,132+88.7% |
| Admin fee / account holder | $189 | $150+26.3% | $16,246-98.8% | $170+11.5% |