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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $38,787 |
ENTERPRISE BANK & TRUST3 years Service code 27 · EIN 43-1706259 | Advisory (Plan) | $19,029 |
CHARLES SCHWAB & CO., INC.4 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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 | $29,327 | $65,125-55.0% | $143,797-79.6% | $66,949-56.2% |
| Participation rate | 88.8% | 65.2%+23.6pp | 80.3%+8.5pp | 69.8%+19.0pp |
| Annual return | -18.23% | -11.13%-7.1pp | -0.04%-18.2pp | 1.57%-19.8pp |
| Employer contribution / active EE | $828 | $2,362-64.9% | $4,952-83.3% | $2,545-67.5% |
| Participant deferral / active EE | $4,285 | $2,920+46.7% | $5,638-24.0% | $4,239+1.1% |
| Admin fee / account holder | $228 | $503-54.6% | $14,679-98.4% | $594-61.6% |