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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 47-0098400 | Claims processing; Consulting (pensio... | $532,657 |
BENSOURCE EMPLOYEE BENEFITS6 years Service code 26 · EIN 27-1598845 | Advisory (Participants) | $394,077 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 50 · EIN 42-1445429 | Direct Payment | $53,738 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $34,587 |
SMITH & HOWARD, PC2 years Filed as: SMITH & HOWARD Service code 10 · EIN 58-1250486 | Accounting | $30,796 |
FISHER & PHILLIPS2 years Filed as: FISHER PHILLIPS Service code 29 · EIN 58-0619559 | Legal | $7,974 |
Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $50,515 | $88,479-42.9% | $96,538-47.7% | $80,169-37.0% |
| Participation rate | 65.8% | 79.9%-14.1pp | 74.3%-8.6pp | 72.9%-7.2pp |
| Annual return | 15.68% | 22.53%-6.9pp | 35.74%-20.1pp | 40.39%-24.7pp |
| Employer contribution / active EE | $1,278 | $4,177-69.4% | $3,740-65.8% | $2,978-57.1% |
| Participant deferral / active EE | $3,185 | $3,961-19.6% | $4,880-34.7% | $5,016-36.5% |
| Admin fee / account holder | $286 | $211+35.2% | $6,737-95.8% | $145+97.2% |