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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 85-3986400 | Loan Processing | $14,719 |
BFC PLANNING INC1 year Service code 27 | Advisory (Plan) | $12,400 |
Service code 28 · EIN 85-3994987 | Investment Management | $5,114 |
Filed as: CHARLES SCHWAB & CO Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
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 | $52,665 | $51,045+3.2% | $70,525-25.3% | $71,476-26.3% |
| Participation rate | 94.5% | 59.4%+35.1pp | 68.4%+26.2pp | 67.9%+26.6pp |
| Annual return | -6.21% | 42.63%-48.8pp | 32.76%-39.0pp | 28.85%-35.1pp |
| Employer contribution / active EE | $2,578 | $1,790+44.0% | $2,974-13.3% | $2,589-0.4% |
| Participant deferral / active EE | $3,419 | $3,026+13.0% | $4,567-25.1% | $4,290-20.3% |
| Admin fee / account holder | $266 | $1,994-86.6% | $6,413-95.8% | $1,587-83.2% |