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| Provider | Service type | Compensation |
|---|---|---|
SYNOVUS TRUST COMPANY10+ years Filed as: SYNOVUS TRUST COMPANY, NA Service code 15 · EIN 58-2146977 | Recordkeeping | $44,190 |
AMERITAS LIFE INSURANCE CORP3 years Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Recor... | $12,302 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,219 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $109,024 | $77,094+41.4% | $173,703-37.2% | $69,733+56.3% |
| Participation rate | 99.3% | 55.7%+43.6pp | 75.9%+23.4pp | 62.5%+36.9pp |
| Annual return | 6.02% | 11.44%-5.4pp | 17.46%-11.4pp | 15.22%-9.2pp |
| Employer contribution / active EE | $4,054 | $1,704+137.9% | $4,288-5.4% | $2,250+80.2% |
| Participant deferral / active EE | $2,464 | $2,355+4.6% | $4,854-49.2% | $3,054-19.3% |
| Admin fee / account holder | $383 | $2,291-83.3% | $15,562-97.5% | $3,102-87.7% |