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| Provider | Service type | Compensation |
|---|---|---|
ALLIANCE BENEFIT GROUP3+ years Filed as: ALLIANCE BENEFIT GROUP OF MI, INC. Service code 15 · EIN 38-2738460 | Recordkeeping | $15,317 |
Service code 27 · EIN 38-3462761 | Advisory (Plan) | $14,505 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $4,287 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $57,203 | $46,297+23.6% | $71,671-20.2% | $62,293-8.2% |
| Participation rate | 64.1% | 60.6%+3.5pp | 68.7%-4.6pp | 69.5%-5.4pp |
| Annual return | 12.69% | 22.32%-9.6pp | 20.65%-8.0pp | 28.90%-16.2pp |
| Employer contribution / active EE | $356 | $1,412-74.8% | $2,460-85.5% | $2,042-82.6% |
| Participant deferral / active EE | $3,121 | $2,235+39.6% | $3,438-9.2% | $3,169-1.5% |
| Admin fee / account holder | $375 | $461-18.6% | $5,558-93.3% | $479-21.8% |