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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Accou... | $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 | $45,031-10.6% | $85,009-52.6% | $77,671-48.1% |
| Participation rate | 58.8% | 48.7%+10.1pp | 67.5%-8.7pp | 70.6%-11.8pp |
| Annual return | 21.29% | 79.22%-57.9pp | 66.47%-45.2pp | 31.21%-9.9pp |
| Employer contribution / active EE | $2,043 | $1,609+27.0% | $2,728-25.1% | $2,726-25.1% |
| Participant deferral / active EE | $4,770 | $2,807+69.9% | $4,522+5.5% | $4,648+2.6% |
| Admin fee / account holder | $330 | $912-63.8% | $6,153-94.6% | $430-23.4% |