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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC3+ years Filed as: WESPAC ADVISORS, LLC Service code 26 · EIN 26-2824668 519 17TH STREET · OAKLAND, CA 94612 | Advisory (Participants) | $32,666 |
WESPAC PLAN SERVICES, LLC3+ years Service code 13 · EIN 26-2824865 519 17TH STREET · OAKLAND, CA 94612 | Contract Administrator | $20,179 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB BANK Service code 13 · EIN 42-1558009 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Contract Administrator | $5,573 |
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 | $51,151 | $58,726-12.9% | $92,240-44.5% | $62,293-17.9% |
| Participation rate | 63.1% | 68.3%-5.3pp | 76.5%-13.4pp | 69.5%-6.5pp |
| Annual return | 14.63% | 43.62%-29.0pp | 176.29%-161.7pp | 28.90%-14.3pp |
| Employer contribution / active EE | $18 | $2,392-99.3% | $3,680-99.5% | $2,042-99.1% |
| Participant deferral / active EE | $3,059 | $2,766+10.6% | $3,897-21.5% | $3,169-3.5% |
| Admin fee / account holder | $319 | $556-42.6% | $5,194-93.9% | $479-33.4% |