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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $31,047 |
MONETA GROUP LLC5 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $25,377 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,410 |
CHARLES SCHWAB & CO., INC.6 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 | $54,681 | $78,562-30.4% | $105,608-48.2% | $74,429-26.5% |
| Participation rate | 90.1% | 72.8%+17.3pp | 75.3%+14.8pp | 67.2%+22.9pp |
| Annual return | 10.16% | 15.94%-5.8pp | 116.50%-106.3pp | 1368.38%-1358.2pp |
| Employer contribution / active EE | $2,354 | $2,521-6.7% | $3,167-25.7% | $2,625-10.3% |
| Participant deferral / active EE | $4,352 | $4,321+0.7% | $5,010-13.1% | $4,348+0.1% |
| Admin fee / account holder | $374 | $2,217-83.1% | $11,028-96.6% | $1,944-80.8% |