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| Provider | Service type | Compensation |
|---|---|---|
TROXELL FINANCIAL5 years Service code 26 · EIN 27-4418309 | Advisory (Participants) | $25,592 |
Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Participant loan processing; Particip... | $24,186 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,191 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,317 | $42,367+2.2% | $79,580-45.6% | $64,819-33.2% |
| Participation rate | 32.7% | 64.7%-32.0pp | 69.5%-36.8pp | 71.5%-38.8pp |
| Annual return | -18.37% | -12.23%-6.1pp | 0.15%-18.5pp | 32.84%-51.2pp |
| Employer contribution / active EE | $507 | $1,181-57.1% | $2,413-79.0% | $2,507-79.8% |
| Participant deferral / active EE | $2,028 | $3,170-36.0% | $3,985-49.1% | $4,311-53.0% |
| Admin fee / account holder | $269 | $160+68.7% | $6,835-96.1% | $188+43.4% |