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| Provider | Service type | Compensation |
|---|---|---|
CERITY PARTNERS8 years Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $51,635 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Float revenue; Trustee (bank, trust c... | $6,050 |
JULY BUSINESS SERVICES2 years Filed as: JULY BUSINESS SERVICES LLC Service code 13 · EIN 74-2715820 400 AUSTIN AVENUE,SUITE 1200 · WACO, TX 76701 | Contract Administrator | $4,421 |
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.)
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 | $121,310 | $63,456+91.2% | $100,712+20.5% | $64,097+89.3% |
| Participation rate | 48.6% | 49.7%-1.0pp | 69.3%-20.6pp | 55.2%-6.5pp |
| Annual return | 18.11% | 19.65%-1.5pp | 33.27%-15.2pp | 34.64%-16.5pp |
| Employer contribution / active EE | $910 | $1,003-9.2% | $2,313-60.7% | $1,891-51.9% |
| Participant deferral / active EE | $2,300 | $2,463-6.6% | $4,085-43.7% | $3,080-25.3% |
| Admin fee / account holder | $627 | $4,808-87.0% | $9,256-93.2% | $3,454-81.8% |