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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BLUESTAR RETIREMENT SERVICES,INC. Service code 12 · EIN 59-3092339 | Account maintenance fees; Direct paym... | $152,674 |
BKS RETIREMENT SERVICES2 years Service code 17 · EIN 84-1921272 | Pension Consulting | $36,613 |
ASSURANCE DIMENSIONS4 years Service code 10 · EIN 26-3429295 | Accounting | $5,000 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $4,567 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENTS Service code 26 · EIN 36-4317381 | Advisory (Participants) | $50 |
DECISIONHR, INC.1 year Service code 12 · EIN 59-3405686 | Direct payment from the plan; Claims ... | $4 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $36,385 | $122,114-70.2% | $96,192-62.2% | $101,555-64.2% |
| Participation rate | 9.0% | 40.2%-31.1pp | 68.4%-59.4pp | 74.5%-65.5pp |
| Annual return | 36.52% | 22.60%+13.9pp | 192.09%-155.6pp | 21.00%+15.5pp |
| Employer contribution / active EE | $131 | $938-86.1% | $2,799-95.3% | $2,972-95.6% |
| Participant deferral / active EE | $405 | $2,166-81.3% | $4,351-90.7% | $4,874-91.7% |
| Admin fee / account holder | $233 | $1,652-85.9% | $5,539-95.8% | $139+67.0% |