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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Participant communication; Contract A... | $130,082 |
INVST4 years Service code 26 · EIN 81-1661697 | Advisory (Participants) | $91,073 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,335 |
CHARLES SCHWAB & CO., INC.5 years Service code 19 | Securities Custodian | $0 |
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.)
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 | $40,274 | $45,109-10.7% | $85,240-52.8% | $77,762-48.2% |
| Participation rate | 58.8% | 48.7%+10.1pp | 67.5%-8.7pp | 70.6%-11.8pp |
| Annual return | 21.29% | 79.55%-58.3pp | 66.75%-45.5pp | 31.27%-10.0pp |
| Employer contribution / active EE | $2,043 | $1,602+27.6% | $2,735-25.3% | $2,728-25.1% |
| Participant deferral / active EE | $4,770 | $2,814+69.5% | $4,527+5.4% | $4,651+2.6% |
| Admin fee / account holder | $330 | $915-64.0% | $6,165-94.7% | $433-23.8% |