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| Provider | Service type | Compensation |
|---|---|---|
INGHAM & COMPANY4 years Service code 13 · EIN 65-0170152 | Contract Administrator | $82,989 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $6,872 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $105,758 | $55,472+90.7% | $155,567-32.0% | $74,546+41.9% |
| Participation rate | 65.1% | 61.9%+3.2pp | 78.2%-13.1pp | 67.2%-2.2pp |
| Annual return | 14.29% | 268.72%-254.4pp | 64.74%-50.4pp | 1366.03%-1351.7pp |
| Employer contribution / active EE | $2,227 | $2,269-1.9% | $4,674-52.4% | $2,624-15.2% |
| Participant deferral / active EE | $6,781 | $2,838+139.0% | $5,628+20.5% | $4,347+56.0% |
| Admin fee / account holder | $580 | $1,743-66.7% | $15,916-96.4% | $1,944-70.2% |