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| Provider | Service type | Compensation |
|---|---|---|
SENTINEL PENSION ADVISORS3 years Service code 27 · EIN 04-3422848 | Advisory (Plan) | $31,284 |
SENTINEL PENSION ADVISORS7+ years Filed as: SENTINEL BENEFITS AND FINANCIAL GRP Service code 15 · EIN 20-5916766 | Recordkeeping | $11,735 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $6,204 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,390 | $93,182+46.4% | $146,685-7.0% | $79,393+71.8% |
| Participation rate | 59.3% | 76.4%-17.2pp | 80.1%-20.8pp | 70.7%-11.4pp |
| Annual return | 13.53% | 21.61%-8.1pp | 22.75%-9.2pp | 116.87%-103.3pp |
| Employer contribution / active EE | $324 | $2,420-86.6% | $4,137-92.2% | $2,428-86.7% |
| Participant deferral / active EE | $6,561 | $4,169+57.4% | $5,507+19.1% | $4,046+62.2% |
| Admin fee / account holder | $579 | $585-1.0% | $10,281-94.4% | $627-7.6% |