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| Provider | Service type | Compensation |
|---|---|---|
MONETA GROUP LLC3 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $11,067 |
CHARLES SCHWAB & CO., INC.4 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,529 | $63,442-14.0% | $68,791-20.7% | $66,914-18.5% |
| Participation rate | 41.5% | 60.0%-18.4pp | 69.0%-27.5pp | 69.8%-28.3pp |
| Annual return | -15.36% | -8.29%-7.1pp | -6.38%-9.0pp | 1.58%-16.9pp |
| Employer contribution / active EE | $1,120 | $1,775-36.9% | $2,655-57.8% | $2,544-56.0% |
| Participant deferral / active EE | $2,035 | $2,945-30.9% | $3,941-48.4% | $4,237-52.0% |
| Admin fee / account holder | $186 | $577-67.9% | $4,932-96.2% | $593-68.7% |