| 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 | $90,672-56.6% | $125,401-68.6% | $89,433-56.0% |
| Participation rate | 58.7% | 72.3%-13.6pp | 82.4%-23.7pp | 71.3%-12.6pp |
| Annual return | 66.72% | -6.42%+73.1pp | 572.53%-505.8pp | -11.88%+78.6pp |
| Employer contribution / active EE | $863 | $3,032-71.5% | $4,816-82.1% | $3,021-71.4% |
| Participant deferral / active EE | $2,842 | $7,210-60.6% | $7,448-61.8% | $5,125-44.6% |
| Admin fee / account holder | $82 | $69+18.4% | $10,008-99.2% | $79+3.0% |