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| Provider | Service type | Compensation |
|---|---|---|
THE INVESTMENT COUNSEL COMPANY1+ years Service code 28 · EIN 88-0228985 | Investment Management | $20,292 |
NEWPORT GROUP, INC.1+ years Filed as: NEWPORT RETIREMENT SERVICES, INC. Service code 18 · EIN 62-1868111 | Custodial (other than securities); Re... | $10,530 |
CHARLES SCHWAB & CO., INC.1+ years Service code 19 · EIN 94-1737782 | 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $39,903 | $43,423-8.1% | $78,676-49.3% | $55,167-27.7% |
| Participation rate | 46.9% | 68.0%-21.1pp | 73.6%-26.7pp | 69.0%-22.1pp |
| Annual return | -4.11% | 11.53%-15.6pp | 62.19%-66.3pp | 169.23%-173.3pp |
| Employer contribution / active EE | $524 | $1,997-73.8% | $2,850-81.6% | $1,963-73.3% |
| Participant deferral / active EE | $2,033 | $2,509-19.0% | $3,517-42.2% | $3,054-33.4% |
| Admin fee / account holder | $422 | $416+1.5% | $4,510-90.6% | $504-16.2% |