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| Provider | Service type | Compensation |
|---|---|---|
CERITY PARTNERS3 years Service code 17 11601 WILSHIRE BOULEVARD · LOS ANGELES, CA 90025 | Pension Consulting | $34,139 |
Service code 12 · EIN 84-1477138 | Recordkeeping fees; Direct payment fr... | $11,820 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Shareholder servicing fees; Trustee (... | $5,414 |
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.
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 | $95,228 | $69,383+37.2% | $101,271-6.0% | $73,493+29.6% |
| Participation rate | 33.3% | 68.4%-35.0pp | 75.8%-42.5pp | 70.7%-37.3pp |
| Annual return | 11.18% | 18.46%-7.3pp | 46.48%-35.3pp | 28.51%-17.3pp |
| Employer contribution / active EE | $552 | $2,628-79.0% | $3,660-84.9% | $2,270-75.7% |
| Participant deferral / active EE | $2,762 | $3,301-16.3% | $4,371-36.8% | $3,740-26.2% |
| Admin fee / account holder | $584 | $704-17.1% | $5,948-90.2% | $513+13.8% |