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| Provider | Service type | Compensation |
|---|---|---|
DESCHUTES INVESTMENT CONSULTING2+ years Filed as: DESCHUTES INVESTMENT ADVISORS Service code 26 · EIN 87-0554544 | Advisory (Participants) | $17,031 |
HEINTZBERGER PAYNE2+ years Filed as: HEINTZBERGER PAYNE & COMPANY LLC Service code 13 · EIN 20-8835556 | Contract Administrator | $10,454 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB Service code 19 · EIN 42-1558009 | Securities Custodian | $2,313 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $61,804 | $32,425+90.6% | $74,577-17.1% | $55,167+12.0% |
| Participation rate | 25.2% | 54.0%-28.8pp | 68.1%-42.9pp | 69.0%-43.8pp |
| Annual return | 8.76% | 10.63%-1.9pp | 20.47%-11.7pp | 169.23%-160.5pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $741 | $1,995-62.9% | $3,458-78.6% | $3,054-75.7% |
| Admin fee / account holder | $597 | $748-20.2% | $4,138-85.6% | $504+18.5% |