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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS8+ years Service code 27 · EIN 39-1828175 | Advisory (Plan) | $27,325 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $18,754 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $3,454 |
CHARLES SCHWAB & CO., INC.8+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $112,126 | $58,099+93.0% | $76,872+45.9% | $75,173+49.2% |
| Participation rate | 78.0% | 63.9%+14.1pp | 69.6%+8.4pp | 67.2%+10.8pp |
| Annual return | 12.20% | 26.71%-14.5pp | 37.90%-25.7pp | 160.72%-148.5pp |
| Employer contribution / active EE | $667 | $1,996-66.6% | $2,533-73.7% | $2,671-75.0% |
| Participant deferral / active EE | $3,057 | $2,999+1.9% | $3,832-20.2% | $4,126-25.9% |
| Admin fee / account holder | $470 | $4,778-90.2% | $5,476-91.4% | $5,651-91.7% |