Filed March 24, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $141,146 |
Service code 12 · EIN 84-1477138 | Recordkeeping fees; Sub-transfer agen... | $30,577 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 18 · EIN 42-1558009 | Shareholder servicing fees; Trustee (... | $18,036 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $69,899 | $72,770-3.9% | $67,652+3.3% | $55,191+26.6% |
| Participation rate | 67.5% | 78.8%-11.3pp | 75.7%-8.1pp | 69.2%-1.6pp |
| Annual return | -1.94% | -3.26%+1.3pp | 6625.40%-6627.3pp | 10.78%-12.7pp |
| Employer contribution / active EE | $2,467 | $1,769+39.4% | $2,266+8.9% | $1,899+29.9% |
| Participant deferral / active EE | $4,315 | $3,408+26.6% | $3,560+21.2% | $3,046+41.6% |
| Admin fee / account holder | $462 | $79+485.8% | $4,821-90.4% | $91+408.6% |