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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2 years Service code 65 · EIN 94-1737782 | Account Maintenance | $210 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,567 | $63,114-80.1% | $92,915-86.5% | $65,186-80.7% |
| Participation rate | 29.5% | 68.8%-39.3pp | 76.0%-46.5pp | 70.2%-40.7pp |
| Annual return | 22.23% | 28.75%-6.5pp | 109.45%-87.2pp | 29.39%-7.2pp |
| Employer contribution / active EE | $0 | $2,571-100.0% | $3,653-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $844 | $3,108-72.9% | $4,238-80.1% | $3,514-76.0% |
| Admin fee / account holder | $2 | $624-99.6% | $5,796-100.0% | $847-99.7% |