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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $25,954 |
ENTERPRISE BANK & TRUST4 years Service code 27 · EIN 43-1706259 | Advisory (Plan) | $22,033 |
CHARLES SCHWAB & CO., INC.4 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $101,513 | $79,181+28.2% | $102,423-0.9% | $74,429+36.4% |
| Participation rate | 75.9% | 74.8%+1.1pp | 76.5%-0.6pp | 67.2%+8.7pp |
| Annual return | 10.82% | 54.97%-44.2pp | 29.42%-18.6pp | 1368.38%-1357.6pp |
| Employer contribution / active EE | $694 | $2,362-70.6% | $3,023-77.1% | $2,625-73.6% |
| Participant deferral / active EE | $4,128 | $4,416-6.5% | $5,054-18.3% | $4,348-5.1% |
| Admin fee / account holder | $361 | $2,002-82.0% | $9,455-96.2% | $1,944-81.4% |