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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC10+ years Filed as: WESPAC ADVISORS, LLC Service code 26 · EIN 26-2824865 4 ORINDA WAY · ORINDA, CA 94563 | Advisory (Participants) | $40,000 |
WESPAC PLAN SERVICES, LLC10+ years Service code 13 · EIN 26-2824668 4 ORINDA WAY · ORINDA, CA 94563 | Contract Administrator | $30,482 |
CHARLES SCHWAB & CO., INC.7 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 2360 CORPORATE CIRCLE · HENDERSON, NV 89074 | Securities Custodian | $7,406 |
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 | $105,353 | $81,276+29.6% | $155,574-32.3% | $80,925+30.2% |
| Participation rate | 96.4% | 66.2%+30.2pp | 78.2%+18.2pp | 67.7%+28.8pp |
| Annual return | 9.18% | 33.36%-24.2pp | 64.87%-55.7pp | 35.65%-26.5pp |
| Employer contribution / active EE | $7,621 | $3,103+145.6% | $4,676+63.0% | $2,756+176.5% |
| Participant deferral / active EE | $6,705 | $3,453+94.2% | $5,629+19.1% | $4,299+56.0% |
| Admin fee / account holder | $414 | $7,993-94.8% | $15,914-97.4% | $6,940-94.0% |