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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $17,625 |
Filed as: DIGITAL RETIREMENT SOLUTIONS Service code 12 · EIN 84-1477138 | Sub-transfer agency fees; Recordkeepi... | $11,962 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 18 · EIN 42-1558009 | Shareholder servicing fees; Direct pa... | $4,552 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $65,545 | $50,464+29.9% | $75,784-13.5% | $52,331+25.3% |
| Participation rate | 25.4% | 66.8%-41.4pp | 75.8%-50.5pp | 68.1%-42.7pp |
| Annual return | 0.41% | 1.03%-0.6pp | 9.68%-9.3pp | 4.54%-4.1pp |
| Employer contribution / active EE | $354 | $1,988-82.2% | $3,323-89.4% | $1,882-81.2% |
| Participant deferral / active EE | $1,778 | $2,570-30.8% | $3,652-51.3% | $3,022-41.2% |
| Admin fee / account holder | $621 | $1,103-43.7% | $5,300-88.3% | $592+4.9% |