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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS4+ years Service code 27 · EIN 39-1828175 | Advisory (Plan) | $44,356 |
ALLIANCE BENEFIT GROUP4+ years Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS Service code 15 · EIN 37-0889315 | Recordkeeping | $30,588 |
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB TRUST CO. Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 18 · EIN 42-1558009 | Custodial (other than securities) | $0 |
Employer 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.
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 | $105,451 | $50,666+108.1% | $76,667+37.5% | $65,186+61.8% |
| Participation rate | 97.8% | 68.8%+29.0pp | 72.1%+25.7pp | 70.2%+27.6pp |
| Annual return | 14.94% | 28.51%-13.6pp | 1166.74%-1151.8pp | 29.39%-14.4pp |
| Employer contribution / active EE | $399 | $1,575-74.6% | $2,303-82.7% | $2,177-81.7% |
| Participant deferral / active EE | $3,236 | $2,647+22.2% | $3,336-3.0% | $3,514-7.9% |
| Admin fee / account holder | $428 | $463-7.5% | $6,423-93.3% | $847-49.5% |