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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WELLINGTON CONSULTING SERVICES Service code 26 · EIN 54-1620949 14325 WILLARD ROAD · CHANTILLY, VA 20151 | Advisory (Participants) | $8,918 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 33 · EIN 82-3967259 | Securities brokerage | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $25,089 | $61,166-59.0% | $185,837-86.5% | $79,393-68.4% |
| Participation rate | 23.4% | 66.6%-43.2pp | 81.7%-58.3pp | 70.7%-47.3pp |
| Annual return | 12.44% | 19.45%-7.0pp | 122.08%-109.6pp | 116.87%-104.4pp |
| Employer contribution / active EE | $954 | $2,321-58.9% | $5,168-81.5% | $2,428-60.7% |
| Participant deferral / active EE | $1,570 | $2,789-43.7% | $5,568-71.8% | $4,046-61.2% |
| Admin fee / account holder | $154 | $710-78.3% | $16,241-99.1% | $627-75.5% |