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| Provider | Service type | Compensation |
|---|---|---|
NORTHERN TRUST COMPANY5 years Filed as: NORTHERN TRUST Service code 21 · EIN 36-1561860 201 SOUTH LAKE AVENUE, SUITE 600 · PASADENA, CA 91101 | Bank Trustee | $38,064 |
BENESYS, INC.5 years Filed as: BENESYS ADMINISTRATORS Service code 13 · EIN 38-2383171 1050 LAKE DRIVE, SUITE 120 · WEST COVINA, CA 91790 | Contract Administrator | $21,048 |
MCGOWAN GUNTERMANN10+ years Service code 13 · EIN 95-3680171 200 E. CARRILLO STREET, SUITE 300 · SANTA BARBARA, CA 93101 | Contract Administrator | $10,000 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,048 | $80,748-75.2% | $102,383-80.4% | $74,429-73.1% |
| Participation rate | 100.0% | 65.7%+34.3pp | 74.5%+25.5pp | 67.2%+32.8pp |
| Annual return | 5.94% | 27.57%-21.6pp | 24.94%-19.0pp | 1368.38%-1362.4pp |
| Employer contribution / active EE | $38 | $3,159-98.8% | $3,870-99.0% | $2,625-98.5% |
| Participant deferral / active EE | $0 | $3,861-100.0% | $5,060-100.0% | $4,348-100.0% |
| Admin fee / account holder | $381 | $2,371-83.9% | $8,391-95.5% | $1,944-80.4% |