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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Service code 26 · EIN 04-3046611 | Advisory (Participants) | $47,487 |
Service code 12 · EIN 47-0098400 | Contract Administrator; Participant l... | $15,341 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $1,810 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,211 | $98,547-43.0% | $216,567-74.0% | $69,733-19.4% |
| Participation rate | 97.4% | 68.4%+29.0pp | 81.6%+15.7pp | 62.5%+34.9pp |
| Annual return | 11.08% | 14.25%-3.2pp | 12.94%-1.9pp | 15.22%-4.1pp |
| Employer contribution / active EE | $0 | $2,660-100.0% | $5,216-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $2,793 | $3,496-20.1% | $6,191-54.9% | $3,054-8.6% |
| Admin fee / account holder | $382 | $4,094-90.7% | $21,981-98.3% | $3,102-87.7% |