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| Provider | Service type | Compensation |
|---|---|---|
ROCATON INVESTMENT ADVISORS, LLC2+ years Filed as: ROCATON INVESTMENT ADVISORS LLC Service code 28 · EIN 04-3638035 | Investment Management | $126,819 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $90,968 |
DELOITTE & TOUCHE LLP2+ years Filed as: DELOITTE CONSULTING LLP Service code 10 · EIN 06-1454513 | Accounting | $82,527 |
STOUT, CAUSEY & HORNING, P.A.2+ years Service code 10 · EIN 52-1743645 | Accounting | $29,905 |
GOLDMAN SACHS2+ years Filed as: UNITED CAPITAL FINANCIAL ADVIS Service code 26 · EIN 27-0493248 | Advisory (Participants) | $13,824 |
HIGHTOWER ADVISORS LLC2+ years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $11,350 |
CHARLES SCHWAB & CO., INC.2+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $2,854 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $1 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $261,477 | $85,635+205.3% | $123,894+111.0% | $63,975+308.7% |
| Participation rate | 51.2% | 74.9%-23.7pp | 81.4%-30.2pp | 71.1%-19.9pp |
| Annual return | -18.69% | 15.74%-34.4pp | 47.52%-66.2pp | 48.65%-67.3pp |
| Employer contribution / active EE | $4,981 | $3,076+61.9% | $4,617+7.9% | $2,182+128.3% |
| Participant deferral / active EE | $6,870 | $5,667+21.2% | $5,984+14.8% | $3,356+104.7% |
| Admin fee / account holder | $446 | $75+496.0% | $8,357-94.7% | $70+533.9% |