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| Provider | Service type | Compensation |
|---|---|---|
SYM FINANCIAL CORPORATION2+ years Service code 26 · EIN 35-1550787 | Advisory (Participants) | $49,097 |
ASCENSUS LLC2+ years Filed as: ASCENSUS CONSULTING Service code 13 · EIN 11-3665754 | Contract Administrator | $30,209 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $6,784 |
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.)
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 | $54,126 | $63,905-15.3% | $74,184-27.0% | $57,658-6.1% |
| Participation rate | 61.7% | 79.8%-18.0pp | 76.6%-14.9pp | 70.2%-8.5pp |
| Annual return | 6.43% | 60.60%-54.2pp | 17.74%-11.3pp | 5.13%+1.3pp |
| Employer contribution / active EE | $1,636 | $1,840-11.1% | $2,370-31.0% | $1,974-17.1% |
| Participant deferral / active EE | $2,077 | $3,448-39.8% | $3,550-41.5% | $3,061-32.1% |
| Admin fee / account holder | $419 | $91+359.7% | $5,586-92.5% | $95+342.9% |