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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 | $106,524+2.4% | $152,301-28.4% | $87,485+24.7% |
| Participation rate | 98.8% | 75.8%+23.1pp | 82.4%+16.4pp | 68.9%+29.9pp |
| Annual return | 10.98% | 26.89%-15.9pp | 80.50%-69.5pp | 26.06%-15.1pp |
| Employer contribution / active EE | $957 | $3,371-71.6% | $4,624-79.3% | $2,596-63.1% |
| Participant deferral / active EE | $6,658 | $6,525+2.0% | $8,004-16.8% | $4,274+55.8% |
| Admin fee / account holder | $427 | $8,287-94.8% | $14,398-97.0% | $7,775-94.5% |