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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 36-4389114 | Recordkeeping | $10,438 |
KOVITZ INVESTMENT GROUP5+ years Filed as: KOVITZ INVESTMENT GROUP, LLC Service code 27 · EIN 91-2198169 | Advisory (Plan) | $9,944 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,789 |
CHARLES SCHWAB & CO., INC.5+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $70,008 | $91,559-23.5% | $133,978-47.7% | $79,856-12.3% |
| Participation rate | 59.2% | 73.3%-14.1pp | 79.8%-20.6pp | 69.6%-10.4pp |
| Annual return | 6.13% | 61.85%-55.7pp | 45.10%-39.0pp | 31.71%-25.6pp |
| Employer contribution / active EE | $378 | $2,384-84.2% | $3,919-90.4% | $2,471-84.7% |
| Participant deferral / active EE | $1,827 | $3,734-51.1% | $5,047-63.8% | $3,741-51.2% |
| Admin fee / account holder | $329 | $6,321-94.8% | $8,930-96.3% | $5,306-93.8% |