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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $44,638 |
Filed as: CERITY PARTNERS RETIREMENT PLAN Service code 27 · EIN 35-2467663 | Advisory (Plan) | $34,732 |
UBS FINANCIAL SERVICES INC5 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $11,162 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $108,232 | $62,686+72.7% | $178,505-39.4% | $77,762+39.2% |
| Participation rate | 47.2% | 66.9%-19.7pp | 77.1%-29.9pp | 70.6%-23.4pp |
| Annual return | 14.42% | 16.16%-1.7pp | 27.16%-12.7pp | 31.27%-16.9pp |
| Employer contribution / active EE | $3,196 | $1,914+67.0% | $3,955-19.2% | $2,728+17.1% |
| Participant deferral / active EE | $5,663 | $4,224+34.1% | $6,280-9.8% | $4,651+21.8% |
| Admin fee / account holder | $422 | $386+9.4% | $10,428-95.9% | $433-2.4% |