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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES2+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $45,651 |
ENTERPRISE BANK & TRUST1 year Service code 27 · EIN 43-1706259 | Advisory (Plan) | $37,656 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $7,437 |
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.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $113,968 | $101,591+12.2% | $147,096-22.5% | $74,429+53.1% |
| Participation rate | 69.2% | 75.5%-6.4pp | 82.2%-13.0pp | 67.2%+1.9pp |
| Annual return | 12.18% | 8746.45%-8734.3pp | 419.75%-407.6pp | 1368.38%-1356.2pp |
| Employer contribution / active EE | $694 | $3,813-81.8% | $4,936-85.9% | $2,625-73.6% |
| Participant deferral / active EE | $5,242 | $7,302-28.2% | $8,071-35.1% | $4,348+20.5% |
| Admin fee / account holder | $479 | $1,750-72.6% | $13,005-96.3% | $1,944-75.4% |