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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $49,441 |
MONETA GROUP LLC5 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $47,471 |
FORVIS, LLP3 years Service code 10 · EIN 44-0160260 | Accounting | $12,847 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,355 |
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.
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.)
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 | $90,770 | $101,653-10.7% | $147,080-38.3% | $74,459+21.9% |
| Participation rate | 57.4% | 75.6%-18.2pp | 82.2%-24.8pp | 67.2%-9.9pp |
| Annual return | 13.70% | 8754.98%-8741.3pp | 420.17%-406.5pp | 1369.70%-1356.0pp |
| Employer contribution / active EE | $588 | $3,813-84.6% | $4,933-88.1% | $2,626-77.6% |
| Participant deferral / active EE | $9,128 | $7,304+25.0% | $8,066+13.2% | $4,350+109.9% |
| Admin fee / account holder | $437 | $1,752-75.0% | $12,989-96.6% | $1,945-77.5% |