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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Consulting (pension); Recordkeeping a... | $76,550 |
INVST2 years Service code 26 · EIN 81-1661697 | Advisory (Participants) | $50,104 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $3,128 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,526 | $34,634-17.6% | $77,096-63.0% | $64,819-56.0% |
| Participation rate | 68.2% | 49.8%+18.3pp | 67.9%+0.2pp | 71.5%-3.3pp |
| Annual return | -18.69% | -5.31%-13.4pp | 42.35%-61.0pp | 32.84%-51.5pp |
| Employer contribution / active EE | $2,490 | $1,385+79.8% | $2,814-11.5% | $2,507-0.7% |
| Participant deferral / active EE | $5,164 | $2,553+102.3% | $4,429+16.6% | $4,311+19.8% |
| Admin fee / account holder | $272 | $178+52.6% | $5,428-95.0% | $188+44.9% |