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| Provider | Service type | Compensation |
|---|---|---|
CERITY PARTNERS5 years Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $239,193 |
Service code 12 · EIN 84-1477138 | Claims processing; Participant loan p... | $50,836 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Direct payment from the plan; Custodi... | $9,994 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,299 | $98,780-20.7% | $60,919+28.5% | $77,906+0.5% |
| Participation rate | 45.3% | 76.7%-31.4pp | 73.1%-27.8pp | 73.7%-28.4pp |
| Annual return | -17.61% | -11.56%-6.1pp | 16.96%-34.6pp | 12.16%-29.8pp |
| Employer contribution / active EE | $2 | $3,605-99.9% | $2,704-99.9% | $2,846-99.9% |
| Participant deferral / active EE | $3,241 | $4,200-22.9% | $3,814-15.0% | $4,805-32.6% |
| Admin fee / account holder | $344 | $89+287.9% | $3,228-89.4% | $133+159.2% |