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| Provider | Service type | Compensation |
|---|---|---|
HEINTZBERGER PAYNE2+ years Filed as: HEINTZBERGER PAYNE & COMPANY Service code 13 · EIN 20-8835556 | Contract Administrator | $34,550 |
SPECTRUM MANAGEMENT GROUP2+ years Service code 26 · EIN 27-2092334 | Advisory (Participants) | $31,287 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $6,819 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $105,218 | $46,732+125.2% | $156,551-32.8% | $55,167+90.7% |
| Participation rate | 99.3% | 65.8%+33.5pp | 84.0%+15.3pp | 69.0%+30.3pp |
| Annual return | 3.65% | 17.72%-14.1pp | 32.23%-28.6pp | 169.23%-165.6pp |
| Employer contribution / active EE | $1,593 | $2,105-24.3% | $5,501-71.1% | $1,963-18.9% |
| Participant deferral / active EE | $4,376 | $2,204+98.5% | $4,871-10.2% | $3,054+43.3% |
| Admin fee / account holder | $402 | $418-3.9% | $13,028-96.9% | $504-20.2% |