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| Provider | Service type | Compensation |
|---|---|---|
HARBOR4+ years Filed as: HARBOR INVESTMENT ADVISORY, LLC Service code 26 · EIN 90-0497525 100 LIGHT STREET, SUITE 1300 · WEEHAWKEN, NJ 07086 | Advisory (Participants) | $32,000 |
CDM RETIREMENT CONSULTANTS, INC.4+ years Service code 15 · EIN 52-2136664 300 E. JOPPA ROAD, STE 601 · TOWSON, MD 21286 | Recordkeeping | $6,378 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 211 MAIN STREET, 14TH FLOOR · SAN FRANCISCO, CA 941051965 | Securities Custodian | $6,209 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $45,208 | $75,388-40.0% | $123,553-63.4% | $55,725-18.9% |
| Participation rate | 92.7% | 75.7%+17.0pp | 82.3%+10.4pp | 70.9%+21.8pp |
| Annual return | -5.58% | 4.48%-10.1pp | 119.21%-124.8pp | 244.93%-250.5pp |
| Employer contribution / active EE | $3,091 | $3,063+0.9% | $4,628-33.2% | $2,078+48.7% |
| Participant deferral / active EE | $5,925 | $5,651+4.9% | $6,426-7.8% | $3,356+76.6% |
| Admin fee / account holder | $118 | $120-1.8% | $9,284-98.7% | $115+2.1% |