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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Recordkeeping and information managem... | $478,153 |
BENSOURCE EMPLOYEE BENEFITS5 years Service code 26 · EIN 27-1598845 | Advisory (Participants) | $377,992 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 50 · EIN 42-1445429 | Direct Payment | $51,544 |
Service code 12 · EIN 58-0144470 | Participant loan processing; Other fe... | $35,682 |
SMITH & HOWARD, PC1 year Filed as: SMITH & HOWARD Service code 10 · EIN 58-1250486 | Accounting | $35,000 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $34,811 |
FISHER & PHILLIPS1 year Filed as: FISHER PHILLIPS Service code 29 · EIN 58-0619559 | Legal | $30,358 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,826 | $76,774-41.6% | $112,263-60.1% | $77,906-42.5% |
| Participation rate | 64.8% | 80.2%-15.3pp | 75.1%-10.2pp | 73.7%-8.9pp |
| Annual return | -18.15% | -10.25%-7.9pp | 27.49%-45.6pp | 12.16%-30.3pp |
| Employer contribution / active EE | $1,166 | $3,977-70.7% | $3,636-67.9% | $2,846-59.1% |
| Participant deferral / active EE | $2,933 | $3,778-22.4% | $4,729-38.0% | $4,805-39.0% |
| Admin fee / account holder | $287 | $239+20.0% | $6,410-95.5% | $133+116.2% |