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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC4+ years Filed as: WESPAC ADVISORS, LLC Service code 26 · EIN 26-2824668 519 17TH STREET · OAKLAND, CA 94612 | Advisory (Participants) | $74,676 |
WESPAC PLAN SERVICES, LLC4+ years Service code 13 · EIN 26-2824865 519 17TH STREET · OAKLAND, CA 94612 | Contract Administrator | $17,863 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB BANK Service code 13 · EIN 42-1558009 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Contract Administrator | $4,995 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $102,628 | $47,977+113.9% | $154,108-33.4% | $56,289+82.3% |
| Participation rate | 84.1% | 66.2%+17.9pp | 83.0%+1.1pp | 69.9%+14.2pp |
| Annual return | -6.77% | 3.54%-10.3pp | 735.21%-742.0pp | -9.96%+3.2pp |
| Employer contribution / active EE | $5,371 | $2,169+147.6% | $5,298+1.4% | $2,111+154.4% |
| Participant deferral / active EE | $2,955 | $2,392+23.5% | $5,081-41.8% | $3,350-11.8% |
| Admin fee / account holder | $506 | $438+15.4% | $13,411-96.2% | $521-3.0% |