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| Provider | Service type | Compensation |
|---|---|---|
BEACON POINTE ADVISORS LLC3 years Filed as: BEACON POINTE ADVISORS, LLC Service code 26 · EIN 68-0488677 | Advisory (Participants) | $60,781 |
Filed as: MERRILL LYNCH Service code 26 2320 E. BIDWELL STREET, SUITE 100 · FOLSOM, CA 95630 | Advisory (Participants) | $36,161 |
PACIFIC FINANCIAL GROUP, INC4 years Service code 26 977 108TH AVENUE · NE BELLEVUE, WA 98004 | Advisory (Participants) | $15,660 |
Service code 26 · EIN 81-2550846 | Advisory (Participants) | $13,378 |
WELLS FARGO BANK, N.A.5 years Filed as: WELLS FARGO ADVISORS LLC Service code 26 · EIN 72-1560834 | Advisory (Participants) | $10,428 |
TD AMERITRADE, INC.6+ years Service code 19 · EIN 82-0543156 | Securities Custodian | $6,795 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING INC. Service code 26 · EIN 43-1270780 | Advisory (Participants) | $6,660 |
POLEN CAPITAL1 year Filed as: POLEN CAPITAL MGMT LLC Service code 26 · EIN 26-0319356 | Advisory (Participants) | $5,289 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $3,824 |
MATRIX TRUST COMPANY4 years Service code 18 · EIN 75-3182674 | Trustee (bank, trust company, or simi... | $0 |
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.
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 | $486,907 | $99,957+387.1% | $149,745+225.2% | $73,497+562.5% |
| Participation rate | 92.5% | 75.7%+16.8pp | 82.5%+10.0pp | 70.7%+21.8pp |
| Annual return | 11.58% | 53.87%-42.3pp | 276.72%-265.1pp | 28.51%-16.9pp |
| Employer contribution / active EE | $19,705 | $3,191+517.5% | $4,646+324.2% | $2,270+768.0% |
| Participant deferral / active EE | $12,800 | $6,073+110.8% | $6,843+87.0% | $3,740+242.3% |
| Admin fee / account holder | $755 | $551+37.1% | $9,312-91.9% | $513+47.1% |