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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $48,451 |
MONETA GROUP LLC3 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $38,293 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,305 |
CHARLES SCHWAB & CO., INC.4 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.)
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 | $95,764 | $102,661-6.7% | $151,639-36.8% | $66,938+43.1% |
| Participation rate | 83.4% | 85.5%-2.1pp | 87.5%-4.1pp | 69.8%+13.6pp |
| Annual return | -12.73% | -10.81%-1.9pp | 3.34%-16.1pp | 1.58%-14.3pp |
| Employer contribution / active EE | $2,025 | $4,184-51.6% | $6,165-67.1% | $2,545-20.4% |
| Participant deferral / active EE | $6,206 | $6,645-6.6% | $8,363-25.8% | $4,238+46.4% |
| Admin fee / account holder | $411 | $630-34.8% | $11,613-96.5% | $594-30.7% |