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| Provider | Service type | Compensation |
|---|---|---|
RBF CAPITAL MANAGEMENT, INC.2+ years Service code 26 · EIN 45-5277485 | Advisory (Participants) | $141,259 |
AMERITAS LIFE INSURANCE CORP2+ years Service code 12 · EIN 47-0098400 | Contract Administrator; Consulting (p... | $112,384 |
Service code 12 · EIN 93-2789379 | Recordkeeping and information managem... | $45,727 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $11,437 |
CHARLES SCHWAB & CO., INC.2+ years Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,673 | $122,585-52.1% | $184,256-68.2% | $200,096-70.7% |
| Participation rate | 63.2% | 86.9%-23.7pp | 86.8%-23.6pp | 72.0%-8.8pp |
| Annual return | 77.56% | 144.12%-66.6pp | 28.85%+48.7pp | 34.26%+43.3pp |
| Employer contribution / active EE | $1,233 | $4,571-73.0% | $6,427-80.8% | $3,038-59.4% |
| Participant deferral / active EE | $2,793 | $7,972-65.0% | $9,133-69.4% | $5,090-45.1% |
| Admin fee / account holder | $311 | $120+158.9% | $13,899-97.8% | $269+15.5% |