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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $41,301 |
HAWTHORNE FINANCIAL, LLC3 years Service code 27 8025 BONHOMME AVENUE STE 100 · CLAYTON, MO 63105 | Advisory (Plan) | $28,693 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,259 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $98,673 | $101,672-3.0% | $147,117-32.9% | $74,478+32.5% |
| Participation rate | 95.0% | 75.5%+19.5pp | 82.2%+12.8pp | 67.2%+27.8pp |
| Annual return | 12.89% | 8757.83%-8744.9pp | 420.54%-407.6pp | 1370.56%-1357.7pp |
| Employer contribution / active EE | $2,406 | $3,813-36.9% | $4,932-51.2% | $2,626-8.4% |
| Participant deferral / active EE | $8,533 | $7,305+16.8% | $8,065+5.8% | $4,350+96.2% |
| Admin fee / account holder | $307 | $1,753-82.5% | $12,993-97.6% | $1,946-84.2% |