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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 85-3986400 | Loan Processing | $21,170 |
BFC PLANNING INC2 years Service code 27 | Advisory (Plan) | $13,858 |
FINDEC WEALTH SERVICES, INC.2 years Service code 28 · EIN 85-3994987 | Investment Management | $4,666 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $56,010 | $56,060-0.1% | $76,002-26.3% | $80,874-30.7% |
| Participation rate | 100.0% | 62.0%+38.0pp | 69.1%+30.9pp | 67.6%+32.4pp |
| Annual return | 14.11% | 20.54%-6.4pp | 360.07%-346.0pp | 35.62%-21.5pp |
| Employer contribution / active EE | $3,272 | $1,873+74.7% | $2,688+21.7% | $2,756+18.8% |
| Participant deferral / active EE | $4,020 | $3,051+31.7% | $4,257-5.6% | $4,297-6.5% |
| Admin fee / account holder | $321 | $5,237-93.9% | $6,414-95.0% | $6,935-95.4% |