Filed March 24, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CERITY PARTNERS5 years Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $103,571 |
Service code 12 · EIN 84-1477138 | Claims processing; Participant loan p... | $26,999 |
CHARLES SCHWAB & CO., INC.7 years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Float revenue; Shareholder servicing ... | $15,761 |
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 | $93,328 | $72,303+29.1% | $86,698+7.6% | $64,819+44.0% |
| Participation rate | 99.2% | 80.4%+18.8pp | 76.6%+22.6pp | 71.5%+27.8pp |
| Annual return | -19.43% | 392.77%-412.2pp | 35.95%-55.4pp | 32.84%-52.3pp |
| Employer contribution / active EE | $3,894 | $2,393+62.7% | $2,837+37.3% | $2,507+55.3% |
| Participant deferral / active EE | $6,785 | $4,660+45.6% | $4,656+45.7% | $4,311+57.4% |
| Admin fee / account holder | $379 | $174+117.9% | $7,493-94.9% | $188+101.8% |