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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP1+ years Service code 12 · EIN 47-0098400 | Other services; Account maintenance f... | $754,665 |
TANDEM HR, LLC1+ years Service code 12 · EIN 36-4231315 | Claims processing; Other fees; Record... | $282,458 |
BKS RETIREMENT SERVICES1+ years Filed as: BKS FINANCIAL INVESTMENTS LLC Service code 17 · EIN 84-1921272 | Pension Consulting | $71,757 |
FORVIS, LLP1+ years Filed as: FORVIS MAZARS, LLP Service code 10 · EIN 44-0160260 | Accounting | $58,365 |
VENSURE EMPLOYER SERVICES, INC.1+ years Service code 12 · EIN 37-1508469 | Participant loan processing; Recordke... | $41,023 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $29,887 |
CHARLES SCHWAB & CO., INC.1+ years Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $62,303 | $119,626-47.9% | $147,096-57.6% | $99,269-37.2% |
| Participation rate | 38.8% | 73.4%-34.6pp | 82.2%-43.4pp | 71.7%-32.9pp |
| Annual return | 7.97% | 28.81%-20.8pp | 419.75%-411.8pp | 17.66%-9.7pp |
| Employer contribution / active EE | $1,320 | $4,152-68.2% | $4,936-73.3% | $3,265-59.6% |
| Participant deferral / active EE | $3,047 | $7,997-61.9% | $8,071-62.2% | $5,344-43.0% |
| Admin fee / account holder | $250 | $150+67.0% | $13,005-98.1% | $109+128.9% |