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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $18,894 |
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401K ASSOCIATES Service code 13 · EIN 20-1181458 | Contract Administrator | $12,538 |
VANCE WEALTH2 years Filed as: VANCE WEALTH INC Service code 27 · EIN 85-1659330 | Advisory (Plan) | $6,724 |
HEDMAN PARTNERS LLP1 year Service code 10 · EIN 85-4036357 | Accounting | $5,581 |
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.)
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 | $34,739 | $64,176-45.9% | $112,249-69.1% | $66,938-48.1% |
| Participation rate | 47.2% | 68.4%-21.2pp | 75.1%-27.8pp | 69.8%-22.6pp |
| Annual return | -10.69% | -13.80%+3.1pp | 27.48%-38.2pp | 1.58%-12.3pp |
| Employer contribution / active EE | $1,357 | $3,007-54.9% | $3,636-62.7% | $2,545-46.7% |
| Participant deferral / active EE | $2,053 | $3,694-44.4% | $4,729-56.6% | $4,238-51.6% |
| Admin fee / account holder | $417 | $626-33.3% | $6,412-93.5% | $594-29.7% |