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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 37-0048650 | Advisory (Plan) | $42,869 |
Filed as: BLUESTAR RETIREMENT PLAN SERVICES Service code 13 · EIN 59-3092339 | Contract Administrator | $13,896 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $1,173 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,337 | $88,186-39.5% | $165,071-67.7% | $74,459-28.4% |
| Participation rate | 97.2% | 73.1%+24.1pp | 78.6%+18.6pp | 67.2%+30.0pp |
| Annual return | 10.83% | 17.13%-6.3pp | 70.17%-59.3pp | 1369.70%-1358.9pp |
| Employer contribution / active EE | $2,336 | $2,600-10.1% | $4,347-46.3% | $2,626-11.0% |
| Participant deferral / active EE | $2,871 | $4,505-36.3% | $6,035-52.4% | $4,350-34.0% |
| Admin fee / account holder | $436 | $2,234-80.5% | $12,695-96.6% | $1,945-77.6% |