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| Provider | Service type | Compensation |
|---|---|---|
PENSION CORPORATION OF AMERICA10+ years Service code 13 · EIN 31-1360674 | Contract Administrator | $104,031 |
Service code 27 · EIN 59-3766965 | Advisory (Plan) | $64,522 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,621 |
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 | $120,540 | $80,731+49.3% | $103,374+16.6% | $74,546+61.7% |
| Participation rate | 85.6% | 65.7%+19.9pp | 74.5%+11.1pp | 67.2%+18.4pp |
| Annual return | 14.52% | 27.56%-13.0pp | 24.89%-10.4pp | 1366.03%-1351.5pp |
| Employer contribution / active EE | $10,508 | $3,158+232.8% | $3,869+171.6% | $2,624+300.4% |
| Participant deferral / active EE | $3,268 | $3,860-15.3% | $5,058-35.4% | $4,347-24.8% |
| Admin fee / account holder | $749 | $2,369-68.4% | $8,394-91.1% | $1,944-61.5% |