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| Provider | Service type | Compensation |
|---|---|---|
PLANTE & MORAN, PLLC1+ years Filed as: PLANTE & MORAN PLLC Service code 16 · EIN 38-3123123 | Consulting | $12,706 |
WATKINS ROSS1+ years Filed as: WATKINS ROSS & CO Service code 15 · EIN 38-1477362 | Recordkeeping | $9,411 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST CO Service code 18 · EIN 42-1558009 | Custodial (other than securities) | $2,583 |
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 | $34,328 | $48,078-28.6% | $78,676-56.4% | $62,881-45.4% |
| Participation rate | 58.2% | 65.2%-7.0pp | 73.6%-15.3pp | 69.3%-11.1pp |
| Annual return | 4.24% | 31.36%-27.1pp | 62.19%-58.0pp | 20.14%-15.9pp |
| Employer contribution / active EE | $473 | $2,015-76.5% | $2,850-83.4% | $2,281-79.3% |
| Participant deferral / active EE | $3,375 | $2,587+30.5% | $3,517-4.0% | $3,203+5.4% |
| Admin fee / account holder | $313 | $3,206-90.2% | $4,510-93.1% | $4,296-92.7% |