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| Provider | Service type | Compensation |
|---|---|---|
SECURITY NATIONAL BANK2+ years Service code 21 · EIN 42-0943319 | Bank Trustee | $28,329 |
WINTHER, STAVE & CO LLP2+ years Service code 10 · EIN 42-1173624 | Accounting | $5,259 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $32,866 | $64,909-49.4% | $82,313-60.1% | $62,293-47.2% |
| Participation rate | 64.9% | 74.9%-10.0pp | 76.9%-12.0pp | 69.5%-4.7pp |
| Annual return | 14.26% | 21.18%-6.9pp | 25.88%-11.6pp | 28.90%-14.6pp |
| Employer contribution / active EE | $329 | $1,676-80.4% | $2,428-86.4% | $2,042-83.9% |
| Participant deferral / active EE | $2,249 | $3,103-27.5% | $3,706-39.3% | $3,169-29.0% |
| Admin fee / account holder | $230 | $440-47.7% | $5,608-95.9% | $479-52.0% |