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| Provider | Service type | Compensation |
|---|---|---|
CLAYTON FINANCIAL GROUP, LLC3 years Service code 27 · EIN 47-3829020 | Advisory (Plan) | $22,590 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $21,302 |
CHARLES SCHWAB & CO., INC.3 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,558 | $102,385-26.2% | $147,080-48.6% | $80,935-6.6% |
| Participation rate | 90.1% | 75.9%+14.3pp | 82.2%+8.0pp | 67.7%+22.5pp |
| Annual return | 14.01% | 135.09%-121.1pp | 420.17%-406.2pp | 35.66%-21.6pp |
| Employer contribution / active EE | $3,014 | $3,717-18.9% | $4,933-38.9% | $2,757+9.3% |
| Participant deferral / active EE | $7,591 | $6,651+14.1% | $8,066-5.9% | $4,299+76.6% |
| Admin fee / account holder | $457 | $7,951-94.2% | $12,989-96.5% | $6,924-93.4% |