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| Provider | Service type | Compensation |
|---|---|---|
MOSS ADAMS LLP1 year Service code 10 · EIN 91-0189318 | Accounting | $41,200 |
CHARLES SCHWAB & CO., INC.8+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $28,870 |
Service code 28 · EIN 47-1411118 | Investment Management | $25,750 |
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 | $51,530 | $72,303-28.7% | $86,698-40.6% | $64,819-20.5% |
| Participation rate | 62.2% | 80.4%-18.2pp | 76.6%-14.3pp | 71.5%-9.2pp |
| Annual return | -20.12% | 392.77%-412.9pp | 35.95%-56.1pp | 32.84%-53.0pp |
| Employer contribution / active EE | $912 | $2,393-61.9% | $2,837-67.9% | $2,507-63.6% |
| Participant deferral / active EE | $2,621 | $4,660-43.7% | $4,656-43.7% | $4,311-39.2% |
| Admin fee / account holder | $340 | $174+95.3% | $7,493-95.5% | $188+80.9% |