Filed October 18, 2016 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $29,060 |
MONETA GROUP LLC5 years Service code 27 · EIN 20-1903821 | Advisory (Plan) | $25,722 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,842 |
CHARLES SCHWAB & CO., INC.6 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.)
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 | $77,964 | $79,223-1.6% | $102,460-23.9% | $74,478+4.7% |
| Participation rate | 77.9% | 74.8%+3.1pp | 76.5%+1.4pp | 67.2%+10.6pp |
| Annual return | 10.91% | 54.98%-44.1pp | 29.47%-18.6pp | 1370.56%-1359.7pp |
| Employer contribution / active EE | $1,310 | $2,363-44.6% | $3,025-56.7% | $2,626-50.1% |
| Participant deferral / active EE | $5,772 | $4,417+30.7% | $5,056+14.2% | $4,350+32.7% |
| Admin fee / account holder | $431 | $2,003-78.5% | $9,460-95.4% | $1,946-77.8% |