| Provider | Service type | Compensation |
|---|---|---|
MOUNTAIN CAPITAL INVESTMENT AD4+ years Service code 26 · EIN 27-4826969 | Advisory (Participants) | $848,947 |
COOK STREET CONSULTING2 years Service code 28 · EIN 84-0854432 | Investment Management | $48,750 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $35,989 |
CHARLES SCHWAB & CO., INC.4+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $21,656 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT SERVICE Service code 26 · EIN 36-3297908 | Advisory (Participants) | $18,077 |
Filed as: CBIZ MHM LLC Service code 10 · EIN 34-1874260 | Accounting | $15,250 |
Service code 26 · EIN 84-1100775 | Advisory (Participants) | $11,027 |
Service code 26 · EIN 38-2340348 | Advisory (Participants) | $7,947 |
GOLDMAN SACHS1 year Filed as: UNITED CAPITAL FINANCIAL ADVIS Service code 26 · EIN 27-0493248 | Advisory (Participants) | $6,467 |
GOLDMAN SACHS2 years Filed as: AVEO CAPITAL PARTNERS LLC Service code 26 · EIN 27-4981131 | Advisory (Participants) | $5,576 |
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.)
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,611 | $57,606+78.1% | $67,313+52.4% | $75,289+36.3% |
| Participation rate | 57.9% | 68.2%-10.3pp | 69.1%-11.2pp | 72.4%-14.5pp |
| Annual return | -6.65% | -0.47%-6.2pp | -4.08%-2.6pp | -0.04%-6.6pp |
| Employer contribution / active EE | $3,359 | $2,206+52.2% | $2,566+30.9% | $2,405+39.6% |
| Participant deferral / active EE | $4,444 | $3,195+39.1% | $3,568+24.5% | $3,739+18.9% |
| Admin fee / account holder | $323 | $83+290.2% | $4,507-92.8% | $102+215.5% |