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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 82-3141062 | Recordkeeping | $20,691 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $10,235 |
Filed as: CHARLES SCHWAB INVESTMENT MGMT INC. Service code 33 · EIN 94-3106735 | Securities brokerage | $68 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,555 | $79,189-36.2% | $102,457-50.7% | $74,400-32.0% |
| Participation rate | 62.5% | 74.8%-12.3pp | 76.5%-14.0pp | 67.2%-4.7pp |
| Annual return | 17.35% | 54.98%-37.6pp | 29.41%-12.1pp | 1367.51%-1350.2pp |
| Employer contribution / active EE | $710 | $2,362-69.9% | $3,022-76.5% | $2,624-72.9% |
| Participant deferral / active EE | $3,504 | $4,415-20.6% | $5,054-30.7% | $4,348-19.4% |
| Admin fee / account holder | $198 | $2,002-90.1% | $9,451-97.9% | $1,944-89.8% |