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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC1+ years Filed as: UBS FINANCIAL SERVICES, INC. Service code 26 1000 HARBOR BLVD, 5TH FLOOR · WEEHAWKEN, NJ 07086 | Advisory (Participants) | $24,000 |
CDM RETIREMENT CONSULTANTS, INC.1+ years Service code 15 · EIN 52-2136664 300 E. JOPPA ROAD, STE 601 · TOWSON, MD 21286 | Recordkeeping | $11,204 |
HARBOR1+ years Filed as: HARBOR INVESTMENT ADVISORY, LLC Service code 26 · EIN 90-0497525 100 LIGHT STREET, SUITE 1300 · BALTIMORE, MD 21202 | Advisory (Participants) | $8,000 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 211 MAIN STREET, 14TH FLOOR · SAN FRANCISCO, CA 941051965 | Securities Custodian | $7,084 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $214,350 | $88,324+142.7% | $115,038+86.3% | $55,191+288.4% |
| Participation rate | 14.0% | 72.5%-58.5pp | 81.4%-67.4pp | 69.2%-55.2pp |
| Annual return | 4.56% | 6.30%-1.7pp | 26.14%-21.6pp | 10.78%-6.2pp |
| Employer contribution / active EE | $2,683 | $2,805-4.4% | $4,608-41.8% | $1,899+41.3% |
| Participant deferral / active EE | $5,197 | $5,042+3.1% | $6,026-13.8% | $3,046+70.6% |
| Admin fee / account holder | $949 | $105+800.4% | $8,175-88.4% | $91+945.2% |