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| Provider | Service type | Compensation |
|---|---|---|
LAKE CITY BANK7 years Service code 26 · EIN 35-0458180 | Advisory (Participants) | $58,612 |
ASCENSUS LLC7 years Filed as: ASCENSUS CONSULTING Service code 15 · EIN 11-3665754 | Recordkeeping | $45,425 |
CHARLES SCHWAB & CO., INC.7 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 45-1558009 | Securities Custodian | $2,118 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB & CO. Service code 71 94-1737782 · AUSTIN, TX 78758 | Brokerage Fees | $73 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $49,708 | $66,459-25.2% | $81,353-38.9% | $77,736-36.1% |
| Participation rate | 32.4% | 68.7%-36.3pp | 69.5%-37.1pp | 70.6%-38.2pp |
| Annual return | 11.93% | 15.95%-4.0pp | 24.82%-12.9pp | 31.26%-19.3pp |
| Employer contribution / active EE | $918 | $2,156-57.4% | $2,464-62.7% | $2,728-66.3% |
| Participant deferral / active EE | $1,541 | $3,674-58.1% | $3,885-60.3% | $4,651-66.9% |
| Admin fee / account holder | $354 | $585-39.4% | $5,766-93.9% | $433-18.2% |