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| Provider | Service type | Compensation |
|---|---|---|
MELTON & MELTON LLP1+ years Service code 10 · EIN 74-1550819 | Accounting | $11,066 |
GARY A NAGLER PLLC1+ years Filed as: GARY A NAGLER & ASSOCIATES PLLC Service code 29 · EIN 76-0622745 | Legal | $5,727 |
CHARLES SCHWAB & CO., INC.1+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $5,628 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833 | Recordkeeping | $5,516 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $57,271 | $88,324-35.2% | $115,038-50.2% | $55,191+3.8% |
| Participation rate | 57.1% | 72.5%-15.4pp | 81.4%-24.3pp | 69.2%-12.1pp |
| Annual return | -0.64% | 6.30%-6.9pp | 26.14%-26.8pp | 10.78%-11.4pp |
| Employer contribution / active EE | $1,010 | $2,805-64.0% | $4,608-78.1% | $1,899-46.8% |
| Participant deferral / active EE | $5,918 | $5,042+17.4% | $6,026-1.8% | $3,046+94.3% |
| Admin fee / account holder | $36 | $105-65.7% | $8,175-99.6% | $91-60.2% |