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| Provider | Service type | Compensation |
|---|---|---|
MONETA GROUP LLC2 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $46,855 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $40,635 |
WIPFLI LLP4 years Filed as: WIPFLI, LLP Service code 10 · EIN 39-0758449 | Accounting | $14,046 |
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $10,699 |
CHARLES SCHWAB & CO., INC.6 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 | $107,060 | $85,515+25.2% | $112,040-4.4% | $67,986+57.5% |
| Participation rate | 100.0% | 68.2%+31.8pp | 76.5%+23.5pp | 57.2%+42.8pp |
| Annual return | 12.29% | 29.68%-17.4pp | 24.52%-12.2pp | 31.67%-19.4pp |
| Employer contribution / active EE | $4,205 | $2,191+91.9% | $2,954+42.4% | $2,019+108.3% |
| Participant deferral / active EE | $4,802 | $4,014+19.6% | $5,098-5.8% | $3,358+43.0% |
| Admin fee / account holder | $380 | $3,774-89.9% | $12,098-96.9% | $3,203-88.1% |