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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BURNHAM GIBSON WEALTH ADVISORS INC. Service code 27 · EIN 47-5476782 | Advisory (Plan) | $31,019 |
Filed as: VOYA RETIREMENT INS AND ANNUITY CO Service code 26 · EIN 71-0294708 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,006 | $81,494+52.2% | $133,978-7.4% | $73,497+68.7% |
| Participation rate | 61.7% | 76.4%-14.7pp | 79.8%-18.2pp | 70.7%-9.0pp |
| Annual return | 17.18% | 19.40%-2.2pp | 45.10%-27.9pp | 28.51%-11.3pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $3,919-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $5,147 | $3,787+35.9% | $5,047+2.0% | $3,740+37.6% |
| Admin fee / account holder | $463 | $713-35.1% | $8,930-94.8% | $513-9.7% |