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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES2+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $32,941 |
Service code 27 · EIN 47-3829020 | Advisory (Plan) | $16,628 |
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.)
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 | $41,410 | $73,638-43.8% | $95,964-56.8% | $73,497-43.7% |
| Participation rate | 55.1% | 76.2%-21.0pp | 77.1%-22.0pp | 70.7%-15.6pp |
| Annual return | -35.31% | 16.78%-52.1pp | 91.64%-127.0pp | 28.51%-63.8pp |
| Employer contribution / active EE | $1,102 | $1,863-40.9% | $2,541-56.6% | $2,270-51.5% |
| Participant deferral / active EE | $1,871 | $3,617-48.3% | $4,167-55.1% | $3,740-50.0% |
| Admin fee / account holder | $314 | $482-34.9% | $6,797-95.4% | $513-38.9% |