Filed May 26, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $86,450 |
MONETA GROUP LLC2 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $57,559 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $13,629 |
CHARLES SCHWAB & CO., INC.3 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $83,878 | $86,225-2.7% | $146,647-42.8% | $86,821-3.4% |
| Participation rate | 96.5% | 78.0%+18.5pp | 80.1%+16.5pp | 72.3%+24.2pp |
| Annual return | 69.79% | 31.23%+38.6pp | 22.75%+47.0pp | 97.94%-28.1pp |
| Employer contribution / active EE | $3,870 | $2,392+61.8% | $4,137-6.5% | $2,406+60.8% |
| Participant deferral / active EE | $4,817 | $4,245+13.5% | $5,506-12.5% | $4,132+16.6% |
| Admin fee / account holder | $188 | $195-3.5% | $10,281-98.2% | $170+11.2% |