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| Provider | Service type | Compensation |
|---|---|---|
HIGHTOWER ADVISORS LLC2 years Service code 28 · EIN 36-4500709 200 WEST MADISON STREET FLOOR 25 · CHICAGO, IL 60606 | Investment Management | $44,217 |
Filed as: NO AMERICAN KTRADE ALLIANCE, LLC Service code 15 · EIN 32-0169227 1500 NORTH OAK DRIVE, SUITE B · PLYMOUTH, IN 46563 | Recordkeeping | $9,092 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB & CO, INC Service code 10 | Accounting | $0 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 94-1737782 12401 RESEARCH BLVD · AUSTIN, TX 78759 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,620 | $59,417+12.1% | $93,606-28.8% | $74,495-10.6% |
| Participation rate | 38.4% | 59.7%-21.3pp | 68.7%-30.3pp | 67.2%-28.8pp |
| Annual return | 13.13% | 81.83%-68.7pp | 133.20%-120.1pp | 1364.94%-1351.8pp |
| Employer contribution / active EE | $853 | $1,264-32.5% | $2,420-64.8% | $2,623-67.5% |
| Participant deferral / active EE | $1,375 | $3,050-54.9% | $4,411-68.8% | $4,346-68.4% |
| Admin fee / account holder | $391 | $3,021-87.1% | $8,285-95.3% | $1,942-79.9% |