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| Provider | Service type | Compensation |
|---|---|---|
MCF ADVISORS LLC10+ years Service code 26 50 E RIVERCENTER BLVD, STE 300 · COVINGTON, KY 41011 | Advisory (Participants) | $53,743 |
PENSION CORPORATION OF AMERICA10+ years Service code 15 · EIN 31-1360674 | Recordkeeping | $15,394 |
CHARLES SCHWAB & CO., INC.10+ years Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 28 · EIN 82-3967259 | Investment Management | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,156 | $79,209-3.9% | $102,434-25.7% | $74,459+2.3% |
| Participation rate | 49.3% | 74.8%-25.5pp | 76.5%-27.2pp | 67.2%-18.0pp |
| Annual return | 12.50% | 54.98%-42.5pp | 29.46%-17.0pp | 1369.70%-1357.2pp |
| Employer contribution / active EE | $1,723 | $2,362-27.1% | $3,023-43.0% | $2,626-34.4% |
| Participant deferral / active EE | $2,935 | $4,417-33.5% | $5,055-41.9% | $4,350-32.5% |
| Admin fee / account holder | $617 | $2,002-69.2% | $9,462-93.5% | $1,945-68.3% |