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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS2 years Service code 27 · EIN 04-3422848 | Advisory (Plan) | $27,040 |
SENTINEL PENSION ADVISORS6+ years Filed as: SENTINEL BENEFITS AND FINANCIAL GRP Service code 15 · EIN 20-5916766 | Recordkeeping | $8,715 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $6,036 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $121,505 | $81,494+49.1% | $133,978-9.3% | $73,497+65.3% |
| Participation rate | 56.2% | 76.4%-20.2pp | 79.8%-23.7pp | 70.7%-14.5pp |
| Annual return | 16.29% | 19.40%-3.1pp | 45.10%-28.8pp | 28.51%-12.2pp |
| Employer contribution / active EE | $199 | $2,210-91.0% | $3,919-94.9% | $2,270-91.2% |
| Participant deferral / active EE | $5,997 | $3,787+58.4% | $5,047+18.8% | $3,740+60.4% |
| Admin fee / account holder | $522 | $713-26.8% | $8,930-94.2% | $513+1.8% |