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| Provider | Service type | Compensation |
|---|---|---|
PLANTE & MORAN, PLLC2+ years Filed as: PLANTE MORAN FINANCIAL SERVICES Service code 26 · EIN 38-3123123 | Advisory (Participants) | $30,308 |
ALLIANCE BENEFIT GROUP2+ years Filed as: ALLIANCE BENEFIT GROUP OF MI, INC. Service code 15 · EIN 38-2738460 | Recordkeeping | $21,625 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $5,665 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
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 | $73,399 | $53,925+36.1% | $75,501-2.8% | $69,631+5.4% |
| Participation rate | 40.6% | 71.2%-30.6pp | 72.4%-31.8pp | 70.7%-30.1pp |
| Annual return | 9.12% | 17.84%-8.7pp | 27.35%-18.2pp | 27571.02%-27561.9pp |
| Employer contribution / active EE | $943 | $1,802-47.7% | $2,352-59.9% | $2,032-53.6% |
| Participant deferral / active EE | $865 | $2,569-66.3% | $3,142-72.5% | $3,224-73.2% |
| Admin fee / account holder | $324 | $97+233.2% | $5,801-94.4% | $110+193.0% |