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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIRST LIGHT RETIREMENT, LLC Service code 27 · EIN 86-3483132 1330 CAMINO DEL MAR · DEL MAR, CA 92014 | Advisory (Plan) | $44,702 |
THE VANGUARD GROUP, INC.2 years Filed as: THE VANGUARD GROUP Service code 37 · EIN 23-1945930 | Loan Processing | $12,626 |
MATRANGA & COMPANY3 years Service code 10 · EIN 20-1147648 | Accounting | $8,250 |
Service code 14 · EIN 33-0461574 | Plan Administrator | $5,088 |
ASCENSUS LLC2 years Filed as: ASCENSUS Service code 37 · EIN 11-3665754 | Loan Processing | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,837 | $45,872+119.8% | $77,100+30.8% | $68,490+47.2% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -16.21% | 1.73%-17.9pp | 42.35%-58.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $2,198 | $1,650+33.2% | $2,815-21.9% | $2,597-15.4% |
| Participant deferral / active EE | $3,884 | $2,963+31.1% | $4,430-12.3% | $4,028-3.6% |
| Admin fee / account holder | $345 | $3,041-88.7% | $5,443-93.7% | $5,403-93.6% |