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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALLIANCE PENSION CONSULTANTS Service code 15 · EIN 36-4389114 | Recordkeeping | $58,043 |
KESTRA INVESTMENT SERVICES LLC2+ years Filed as: KESTRA INVESTMENT SERVICES Service code 27 · EIN 68-0279977 | Advisory (Plan) | $22,500 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,847 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $102,811 | $89,123+15.4% | $102,460+0.3% | $77,762+32.2% |
| Participation rate | 56.9% | 80.9%-24.0pp | 76.5%-19.6pp | 70.6%-13.7pp |
| Annual return | 10.04% | 25.05%-15.0pp | 29.47%-19.4pp | 31.27%-21.2pp |
| Employer contribution / active EE | $569 | $2,700-78.9% | $3,025-81.2% | $2,728-79.2% |
| Participant deferral / active EE | $3,675 | $5,148-28.6% | $5,056-27.3% | $4,651-21.0% |
| Admin fee / account holder | $342 | $236+45.0% | $9,460-96.4% | $433-21.0% |