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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 04-3422848 | Advisory (Plan) | $26,330 |
SENTINEL PENSION ADVISORS5+ years Filed as: SENTINEL BENEFITS AND FINANCIAL GRP Service code 15 · EIN 20-5916766 | Recordkeeping | $8,146 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $5,498 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,224 | $86,341+18.4% | $125,192-18.3% | $65,185+56.8% |
| Participation rate | 53.0% | 75.3%-22.3pp | 79.8%-26.8pp | 70.2%-17.2pp |
| Annual return | 19.42% | 27.44%-8.0pp | 43.79%-24.4pp | 29.38%-10.0pp |
| Employer contribution / active EE | $544 | $2,040-73.3% | $3,866-85.9% | $2,177-75.0% |
| Participant deferral / active EE | $6,318 | $3,538+78.5% | $4,937+28.0% | $3,514+79.8% |
| Admin fee / account holder | $482 | $609-21.0% | $9,704-95.0% | $847-43.2% |