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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 | Recordkeeping and information managem... | $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 | $94,699-40.6% | $185,441-69.7% | $65,306-13.9% |
| Participation rate | 97.4% | 64.2%+33.1pp | 80.3%+17.1pp | 57.7%+39.7pp |
| Annual return | 11.08% | 16.71%-5.6pp | 20.16%-9.1pp | 21.94%-10.9pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,672-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $2,793 | $3,568-21.7% | $6,152-54.6% | $2,959-5.6% |
| Admin fee / account holder | $382 | $4,797-92.0% | $17,890-97.9% | $3,480-89.0% |