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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $34,312 |
MONETA GROUP LLC5 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $22,423 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,168 |
CHARLES SCHWAB & CO., INC.6 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $60,665 | $79,223-23.4% | $102,460-40.8% | $74,478-18.5% |
| Participation rate | 63.7% | 74.8%-11.0pp | 76.5%-12.8pp | 67.2%-3.5pp |
| Annual return | 12.58% | 54.98%-42.4pp | 29.47%-16.9pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $1,749 | $2,363-26.0% | $3,025-42.2% | $2,626-33.4% |
| Participant deferral / active EE | $3,792 | $4,417-14.2% | $5,056-25.0% | $4,350-12.8% |
| Admin fee / account holder | $361 | $2,003-82.0% | $9,460-96.2% | $1,946-81.4% |