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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CBIZ INVESTMENT ADVISORY SERVICES Service code 28 · EIN 81-3968784 | Investment Management | $10,455 |
PLANTE & MORAN, PLLC3 years Filed as: PLANTE & MORAN, LLP Service code 10 · EIN 38-1357951 | Accounting | $9,800 |
ALLIANCE BENEFIT GROUP4+ years Filed as: ALLIANCE BENEFIT GROUP OF MI, INC. Service code 15 · EIN 38-2738460 | Recordkeeping | $8,503 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $2,855 |
Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 20-5916766 | Recordkeeping | $2,230 |
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.
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 | $75,293 | $70,917+6.2% | $98,920-23.9% | $73,493+2.4% |
| Participation rate | 24.8% | 73.8%-49.0pp | 76.0%-51.2pp | 70.7%-45.9pp |
| Annual return | -4.44% | 34.18%-38.6pp | 196.47%-200.9pp | 28.51%-33.0pp |
| Employer contribution / active EE | $0 | $2,037-100.0% | $2,689-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,066 | $3,501-69.5% | $4,245-74.9% | $3,740-71.5% |
| Admin fee / account holder | $846 | $535+58.2% | $6,643-87.3% | $513+64.9% |