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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC5 years Filed as: ASCENSUS CONSULTING Service code 15 · EIN 11-3665754 | Recordkeeping | $32,320 |
LAKE CITY BANK5 years Service code 26 · EIN 35-0458180 | Advisory (Participants) | $32,074 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 45-1558009 | Securities Custodian | $3,127 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB & CO. Service code 71 94-1737782 · AUSTIN, TX 78758 | Brokerage Fees | $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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,564 | $56,503-37.1% | $70,098-49.3% | $64,814-45.1% |
| Participation rate | 53.0% | 70.5%-17.5pp | 70.5%-17.5pp | 71.5%-18.5pp |
| Annual return | -15.01% | -13.44%-1.6pp | 190.76%-205.8pp | 32.84%-47.8pp |
| Employer contribution / active EE | $1,310 | $2,046-36.0% | $2,560-48.8% | $2,507-47.7% |
| Participant deferral / active EE | $2,122 | $3,389-37.4% | $3,849-44.9% | $4,310-50.8% |
| Admin fee / account holder | $312 | $160+94.6% | $6,266-95.0% | $188+66.1% |