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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.8+ years Filed as: CHARLES SCHWAB Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $0 |
HUNNEX AND SHOEMAKER, INC.4 years Filed as: HUNNEX & SHOEMAKER, INC. Service code 15 · EIN 91-1072394 | Recordkeeping | $0 |
LEE CPA AUDIT GROUP4 years Service code 10 · EIN 81-4637885 | Accounting | $0 |
LPL FINANCIAL4 years Filed as: LPL FINANCIAL CORPORATION Service code 27 · EIN 04-3046611 | Advisory (Plan) | $0 |
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $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.
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 | $33,042 | $42,367-22.0% | $79,580-58.5% | $64,819-49.0% |
| Participation rate | 46.3% | 64.7%-18.4pp | 69.5%-23.2pp | 71.5%-25.2pp |
| Annual return | -20.72% | -12.23%-8.5pp | 0.15%-20.9pp | 32.84%-53.6pp |
| Employer contribution / active EE | $349 | $1,181-70.4% | $2,413-85.5% | $2,507-86.1% |
| Participant deferral / active EE | $2,735 | $3,170-13.7% | $3,985-31.4% | $4,311-36.5% |
| Admin fee / account holder | $360 | $160+125.5% | $6,835-94.7% | $188+91.6% |