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| Provider | Service type | Compensation |
|---|---|---|
PACIFIC HR, INC.2 years Service code 12 · EIN 77-0235281 | Participant loan processing; Claims p... | $9,421 |
Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Recor... | $6,696 |
BKS RETIREMENT SERVICES2 years Service code 17 · EIN 84-1921272 | Pension Consulting | $5,234 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $1,114 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,028 | $84,499-43.2% | $125,391-61.7% | $66,949-28.3% |
| Participation rate | 10.9% | 76.4%-65.5pp | 82.4%-71.5pp | 69.8%-58.9pp |
| Annual return | -27.08% | -8.49%-18.6pp | 572.41%-599.5pp | 1.57%-28.6pp |
| Employer contribution / active EE | $196 | $3,554-94.5% | $4,816-95.9% | $2,545-92.3% |
| Participant deferral / active EE | $682 | $6,785-90.0% | $7,448-90.8% | $4,239-83.9% |
| Admin fee / account holder | $548 | $685-20.0% | $10,009-94.5% | $594-7.7% |