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| Provider | Service type | Compensation |
|---|---|---|
CENTRAL TRUST COMPANY7 years Service code 19 720 EAST BROADWAY 4TH FLOOR · COLUMBIA, MO 65201 | Securities Custodian | $59,569 |
CHARLES SCHWAB & CO., INC.10+ years Filed as: CHARLES SCHWAB Service code 19 · EIN 94-1737782 | Securities Custodian | $34,199 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $20,436 |
CETERA ADVISOR NETWORKS LLC7 years Filed as: CETERA Service code 19 200 N MARTINGALE RD · SCHAUMBURG, IL 60173 | Securities Custodian | $16,152 |
EDWARD JONES1 year Filed as: EDWARD D. JONES & CO., L.P. Service code 26 · EIN 43-0345811 1316 NORTH WALNUT ST · CAMERON, MO 64429 | Advisory (Participants) | $5,896 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $223,582 | $50,902+339.2% | $155,534+43.8% | $77,736+187.6% |
| Participation rate | 62.7% | 63.1%-0.4pp | 78.2%-15.5pp | 70.6%-7.9pp |
| Annual return | 18.04% | 34.85%-16.8pp | 64.92%-46.9pp | 31.26%-13.2pp |
| Employer contribution / active EE | $5,049 | $1,991+153.5% | $4,675+8.0% | $2,728+85.1% |
| Participant deferral / active EE | $5,364 | $2,824+89.9% | $5,630-4.7% | $4,651+15.3% |
| Admin fee / account holder | $684 | $437+56.4% | $15,900-95.7% | $433+57.8% |