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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 commissions and ... | $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 | $55,889+0.2% | $76,119-26.4% | $80,935-30.8% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 14.11% | 20.58%-6.5pp | 361.25%-347.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $3,272 | $1,866+75.4% | $2,693+21.5% | $2,757+18.7% |
| Participant deferral / active EE | $4,020 | $3,051+31.7% | $4,259-5.6% | $4,299-6.5% |
| Admin fee / account holder | $321 | $5,241-93.9% | $6,421-95.0% | $6,924-95.4% |