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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $119,552 |
Filed as: ALLIANT INSURANCE SERVICES Service code 28 · EIN 33-0785439 | Investment Management | $45,000 |
CROWE LLP4+ years Service code 10 · EIN 35-0921680 | Accounting | $24,675 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $78,503 | $89,093-11.9% | $102,434-23.4% | $77,736+1.0% |
| Participation rate | 45.0% | 80.9%-36.0pp | 76.5%-31.5pp | 70.6%-25.6pp |
| Annual return | 14.21% | 25.03%-10.8pp | 29.46%-15.2pp | 31.26%-17.1pp |
| Employer contribution / active EE | $1,346 | $2,699-50.1% | $3,023-55.5% | $2,728-50.7% |
| Participant deferral / active EE | $5,036 | $5,147-2.1% | $5,055-0.4% | $4,651+8.3% |
| Admin fee / account holder | $157 | $236-33.4% | $9,462-98.3% | $433-63.8% |