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| Provider | Service type | Compensation |
|---|---|---|
Service code 21 · EIN 39-0394950 | Bank Trustee | $37,530 |
CHARLES SCHWAB & CO., INC.2 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,618 | $50,199-3.1% | $69,890-30.4% | $66,949-27.4% |
| Participation rate | 66.2% | 66.3%-0.1pp | 70.5%-4.2pp | 69.8%-3.6pp |
| Annual return | -15.21% | -13.85%-1.4pp | 190.84%-206.1pp | 1.57%-16.8pp |
| Employer contribution / active EE | $2,271 | $1,864+21.9% | $2,560-11.3% | $2,545-10.8% |
| Participant deferral / active EE | $3,123 | $3,112+0.3% | $3,848-18.9% | $4,239-26.3% |
| Admin fee / account holder | $308 | $600-48.7% | $6,267-95.1% | $594-48.2% |