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| Provider | Service type | Compensation |
|---|---|---|
FORVIS, LLP1 year Service code 10 · EIN 44-0160260 | Accounting | $25,200 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $22,548 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $7 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,782 | $50,902+43.0% | $155,534-53.2% | $77,736-6.4% |
| Participation rate | 32.2% | 63.1%-30.9pp | 78.2%-46.0pp | 70.6%-38.4pp |
| Annual return | 9.43% | 34.85%-25.4pp | 64.92%-55.5pp | 31.26%-21.8pp |
| Employer contribution / active EE | $868 | $1,991-56.4% | $4,675-81.4% | $2,728-68.2% |
| Participant deferral / active EE | $2,557 | $2,824-9.5% | $5,630-54.6% | $4,651-45.0% |
| Admin fee / account holder | $535 | $437+22.4% | $15,900-96.6% | $433+23.5% |