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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RET PLAN SERVICES, INC Service code 15 · EIN 34-1479833 | Recordkeeping | $418,921 |
STRATEGIC ADVISORS, INC.1 year Service code 27 · EIN 04-2654524 | Advisory (Plan) | $151,154 |
Service code 37 · EIN 04-2647786 | Loan Processing | $126,593 |
FIDUCIENT ADVISORS LLC1 year Filed as: FIDUCIENT ADVISOR LLC Service code 27 · EIN 36-4001764 | Advisory (Plan) | $35,484 |
ERNST & YOUNG LLP1 year Filed as: ERNST YOUNG U.S. LLP Service code 10 · EIN 34-6565596 | Accounting | $30,750 |
FORVIS, LLP1 year Service code 10 · EIN 44-0160260 | Accounting | $17,235 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $39,323 | $90,195-56.4% | $125,363-68.6% | $89,394-56.0% |
| Participation rate | 58.7% | 72.4%-13.8pp | 82.4%-23.7pp | 71.3%-12.6pp |
| Annual return | 66.72% | -6.51%+73.2pp | 572.15%-505.4pp | -11.89%+78.6pp |
| Employer contribution / active EE | $863 | $3,043-71.6% | $4,815-82.1% | $3,022-71.4% |
| Participant deferral / active EE | $2,842 | $7,170-60.4% | $7,447-61.8% | $5,123-44.5% |
| Admin fee / account holder | $82 | $69+17.9% | $10,005-99.2% | $79+2.9% |