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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $14,111 |
VIVALDI CAPITAL MANAGEMENT LP2+ years Service code 26 · EIN 45-3825664 | Advisory (Participants) | $12,004 |
SAGE ADVISORY SERVICES1 year Filed as: SAGE ADVISORY GROUP Service code 28 · EIN 33-0818667 | Investment Management | $7,500 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $147 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO INC AND AFFILIA Service code 59 | Shareholder Servicing | $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.)
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 | $139,415 | $61,405+127.0% | $149,740-6.9% | $71,535+94.9% |
| Participation rate | 56.8% | 62.5%-5.8pp | 78.8%-22.0pp | 67.9%-11.2pp |
| Annual return | 18.92% | 35.88%-17.0pp | 134.51%-115.6pp | 28.97%-10.1pp |
| Employer contribution / active EE | $3,853 | $2,384+61.6% | $4,821-20.1% | $2,590+48.8% |
| Participant deferral / active EE | $10,803 | $2,921+269.8% | $5,683+90.1% | $4,292+151.7% |
| Admin fee / account holder | $331 | $1,264-73.8% | $13,222-97.5% | $1,589-79.2% |