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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 85-0467977 | Advisory (Participants) | $30,757 |
ALLIANCE BENEFIT GROUP2+ years Filed as: ALLIANCE BENEFIT GROUP SOUTHWEST Service code 15 · EIN 38-3944313 | Recordkeeping | $3,767 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Securities Custodian | $0 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $38,462 | $42,546-9.6% | $71,796-46.4% | $55,167-30.3% |
| Participation rate | 39.6% | 59.1%-19.5pp | 69.1%-29.5pp | 69.0%-29.4pp |
| Annual return | 10.03% | 12.36%-2.3pp | 78.04%-68.0pp | 169.23%-159.2pp |
| Employer contribution / active EE | $381 | $803-52.5% | $1,924-80.2% | $1,963-80.6% |
| Participant deferral / active EE | $1,853 | $2,064-10.2% | $2,794-33.7% | $3,054-39.3% |
| Admin fee / account holder | $329 | $650-49.4% | $4,815-93.2% | $504-34.7% |