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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Service code 19 · EIN 94-1737782 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Securities Custodian | $49,880 |
EPIC RETIREMENT PLAN SERVICES2+ years Filed as: ABAR RETIREMENT PLAN SERVICES LLC Service code 15 · EIN 46-1281375 25B VREELAND RD. SUITE 103 · FLORHAM PARK, NJ 07932 | Recordkeeping | $46,800 |
ROGOFF & COMPANY PC2+ years Filed as: ROGOFF & CO., P.C. Service code 10 · EIN 13-2688836 355 LEXINGTON AVE. · NEW YORK, NY 10017 | Accounting | $13,500 |
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.)
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 | $84,172 | $63,924+31.7% | $108,582-22.5% | $55,167+52.6% |
| Participation rate | 65.6% | 74.3%-8.7pp | 79.6%-13.9pp | 69.0%-3.4pp |
| Annual return | 10.01% | 15.31%-5.3pp | -51.70%+61.7pp | 169.23%-159.2pp |
| Employer contribution / active EE | $1,583 | $1,879-15.8% | $3,758-57.9% | $1,963-19.4% |
| Participant deferral / active EE | $2,298 | $3,067-25.1% | $4,311-46.7% | $3,054-24.8% |
| Admin fee / account holder | $482 | $618-22.0% | $7,645-93.7% | $504-4.4% |