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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES1+ years Filed as: AUSTIN CAPITAL RETIREMENT PLAN SVC Service code 13 · EIN 45-3342609 | Contract Administrator | $35,868 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $0 |
EPIC RETIREMENT PLAN SERVICES1+ years Filed as: EPIC ADVISORS, INC. Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,685 | $39,245+26.6% | $64,105-22.5% | $52,331-5.1% |
| Participation rate | 54.2% | 58.2%-4.0pp | 68.2%-13.9pp | 68.1%-13.9pp |
| Annual return | 1.23% | 14.79%-13.6pp | 791.24%-790.0pp | 4.54%-3.3pp |
| Employer contribution / active EE | $586 | $736-20.4% | $1,820-67.8% | $1,882-68.9% |
| Participant deferral / active EE | $1,746 | $1,992-12.3% | $2,822-38.1% | $3,022-42.2% |
| Admin fee / account holder | $327 | $592-44.7% | $4,499-92.7% | $592-44.7% |