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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $643,823 |
CAP FINANCIAL PARTNERS, LLC1+ years Filed as: CAP TRUST FINANCIAL ADVISORS Service code 16 · EIN 26-0058143 | Consulting | $87,034 |
CHARLES SCHWAB & CO., INC.1+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $20,997 |
NATIONAL FINANCIAL SERVICES1+ years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,065 | $69,651-76.9% | $105,218-84.7% | $69,651-76.9% |
| Participation rate | 93.5% | 66.6%+26.9pp | 77.2%+16.2pp | 66.6%+26.9pp |
| Annual return | 9.80% | 53.77%-44.0pp | 5.33%+4.5pp | 53.77%-44.0pp |
| Employer contribution / active EE | $497 | $2,241-77.8% | $3,255-84.7% | $2,241-77.8% |
| Participant deferral / active EE | $2,645 | $3,635-27.3% | $4,867-45.7% | $3,635-27.3% |
| Admin fee / account holder | $23 | $63-63.1% | $6,992-99.7% | $63-63.1% |