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| Provider | Service type | Compensation |
|---|---|---|
SAGEPOINT FINANCIAL INC2 years Filed as: RESOURCE INVESTMENT ADVISORS Service code 28 · EIN 43-1451524 | Investment Management | $56,250 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $13,194 |
ARMANINO LLP1 year Service code 28 · EIN 57-0956597 | Investment Management | $8,400 |
CHARLES SCHWAB & CO., INC.8+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $164 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO INC AND AFFILIA Service code 59 | Shareholder Servicing | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $173,129 | $72,303+139.4% | $86,717+99.6% | $64,829+167.1% |
| Participation rate | 90.5% | 80.4%+10.0pp | 76.6%+13.9pp | 71.5%+19.0pp |
| Annual return | -17.69% | 392.77%-410.5pp | 35.97%-53.7pp | 32.85%-50.5pp |
| Employer contribution / active EE | $4,082 | $2,393+70.6% | $2,837+43.9% | $2,507+62.8% |
| Participant deferral / active EE | $15,319 | $4,660+228.8% | $4,657+229.0% | $4,312+255.3% |
| Admin fee / account holder | $65 | $174-62.9% | $7,494-99.1% | $188-65.6% |