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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 14-0696635 | Recordkeeping | $43,730 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $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.)
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 | $68,381 | $52,450+30.4% | $129,384-47.1% | $74,459-8.2% |
| Participation rate | 55.7% | 53.8%+1.8pp | 69.6%-14.0pp | 67.2%-11.5pp |
| Annual return | 17.76% | 15.65%+2.1pp | 9461.77%-9444.0pp | 1369.70%-1351.9pp |
| Employer contribution / active EE | $0 | $1,532-100.0% | $4,153-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,497 | $2,797-10.7% | $4,166-40.1% | $4,350-42.6% |
| Admin fee / account holder | $326 | $2,636-87.6% | $7,686-95.8% | $1,945-83.2% |