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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES3+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $39,869 |
ENTERPRISE BANK & TRUST2 years Service code 27 · EIN 43-1706259 | Advisory (Plan) | $37,412 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $9,478 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $109,061 | $107,421+1.5% | $182,262-40.2% | $94,015+16.0% |
| Participation rate | 98.8% | 77.8%+21.0pp | 84.2%+14.6pp | 70.8%+28.0pp |
| Annual return | 10.98% | 21.32%-10.3pp | 140.60%-129.6pp | 17.84%-6.9pp |
| Employer contribution / active EE | $957 | $3,448-72.2% | $5,046-81.0% | $2,790-65.7% |
| Participant deferral / active EE | $6,658 | $6,558+1.5% | $8,276-19.6% | $4,249+56.7% |
| Admin fee / account holder | $427 | $8,692-95.1% | $16,712-97.4% | $8,951-95.2% |