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| Provider | Service type | Compensation |
|---|---|---|
MILLIMAN, INC.6+ years Service code 15 · EIN 91-0675641 | Recordkeeping | $62,308 |
MERRIL LYNCH1 year Service code 27 · EIN 13-2740599 | Advisory (Plan) | $24,335 |
KERNUTT STOKES LLP1 year Filed as: KERNUTT STOKES Service code 10 · EIN 93-0396435 | Accounting | $13,900 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 18 · EIN 82-3967259 | Trustee (directed); Shareholder servi... | $10,369 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO. INC Service code 19 | Securities Custodian | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO. INC. Service code 19 | Securities Custodian | $0 |
CHARLES SCHWAB & CO., INC.6+ years Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $58,823 | $79,519-26.0% | $95,960-38.7% | $73,412-19.9% |
| Participation rate | 57.9% | 81.2%-23.2pp | 77.1%-19.2pp | 72.2%-14.2pp |
| Annual return | 11.49% | 19.20%-7.7pp | 91.63%-80.1pp | 59.30%-47.8pp |
| Employer contribution / active EE | $913 | $2,048-55.4% | $2,541-64.1% | $2,234-59.1% |
| Participant deferral / active EE | $2,515 | $4,138-39.2% | $4,167-39.6% | $3,806-33.9% |
| Admin fee / account holder | $314 | $184+70.5% | $6,797-95.4% | $158+99.0% |