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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS3 years Service code 16 · EIN 04-3422848 | Consulting | $22,458 |
SENTINEL PENSION ADVISORS3 years Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $13,132 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,028 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,050 | $65,453+48.3% | $86,698+11.9% | $66,938+45.0% |
| Participation rate | 66.9% | 75.5%-8.5pp | 76.6%-9.7pp | 69.8%-2.9pp |
| Annual return | -16.07% | -10.89%-5.2pp | 35.95%-52.0pp | 1.58%-17.7pp |
| Employer contribution / active EE | $0 | $2,154-100.0% | $2,837-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $5,648 | $4,102+37.7% | $4,656+21.3% | $4,238+33.3% |
| Admin fee / account holder | $410 | $642-36.1% | $7,493-94.5% | $594-30.9% |