Filed November 5, 2024
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| Provider | Service type | Compensation |
|---|---|---|
BAM ADVISOR SERVICES1+ years Service code 26 · EIN 20-8307105 | Advisory (Participants) | $21,191 |
ALLIANCE BENEFIT GROUP1+ years Filed as: ALLIANCE BENEFIT GROUP - NCS Service code 15 · EIN 41-1737003 | Recordkeeping | $11,562 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $2,691 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $46,954 | $45,438+3.3% | $80,004-41.3% | $59,633-21.3% |
| Participation rate | 86.2% | 63.7%+22.4pp | 73.0%+13.2pp | 68.7%+17.5pp |
| Annual return | -3.85% | 5.10%-8.9pp | 7.63%-11.5pp | 2041.40%-2045.2pp |
| Employer contribution / active EE | $1,555 | $1,236+25.8% | $2,473-37.1% | $2,203-29.4% |
| Participant deferral / active EE | $3,262 | $2,231+46.2% | $3,204+1.8% | $3,192+2.2% |
| Admin fee / account holder | $370 | $3,464-89.3% | $5,033-92.7% | $4,297-91.4% |