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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $45,505 |
MONETA GROUP LLC4 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $45,000 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967529 | Securities Custodian | $10,426 |
CHARLES SCHWAB & CO., INC.5 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.
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 | $167,588 | $91,424+83.3% | $135,942+23.3% | $71,495+134.4% |
| Participation rate | 86.8% | 75.7%+11.1pp | 81.9%+4.9pp | 67.9%+18.9pp |
| Annual return | 16.08% | 29.90%-13.8pp | 68.28%-52.2pp | 28.85%-12.8pp |
| Employer contribution / active EE | $5,381 | $3,704+45.3% | $4,858+10.8% | $2,589+107.8% |
| Participant deferral / active EE | $7,335 | $7,092+3.4% | $7,759-5.5% | $4,291+70.9% |
| Admin fee / account holder | $358 | $1,266-71.7% | $10,764-96.7% | $1,588-77.5% |