| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833 | Recordkeeping | $406,359 |
CHARLES SCHWAB & CO., INC.1+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Direct pa... | $27,477 |
PLANTE & MORAN, PLLC1+ years Filed as: PLANTE & MORAN Service code 10 · EIN 38-1357951 | Accounting | $19,115 |
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY Service code 28 · EIN 26-4310632 | Investment Management | $14,000 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $847 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO. AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $62,453 | $46,516+34.3% | $147,618-57.7% | $69,651-10.3% |
| Participation rate | 44.3% | 65.8%-21.6pp | 84.6%-40.4pp | 66.6%-22.3pp |
| Annual return | 3.59% | 9.48%-5.9pp | 61.98%-58.4pp | 53.77%-50.2pp |
| Employer contribution / active EE | $564 | $1,393-59.5% | $5,564-89.9% | $2,241-74.8% |
| Participant deferral / active EE | $2,814 | $2,719+3.5% | $4,895-42.5% | $3,635-22.6% |
| Admin fee / account holder | $53 | $45+18.6% | $11,612-99.5% | $63-16.0% |